Mortgage Rates as of Saturday, December 13, 2025

** FirstHome Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.450 / 5.700 1.5% / 0%
Conventional 5.700 / 5.950 1.5% / 0%
** FirstHome Start Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.950 / 6.200 1.5% / 0%
Conventional 6.200 / 6.450 1.5% / 0%
** FirstHome DCA Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.450 / 5.700 1.5% / 0%
Conventional 5.700 / 5.950 1.5% / 0%
North Dakota Roots Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 6.450 / 6.700 1.5% / 0%
Conventional 6.700 / 6.950 1.5% / 0%
North Dakota Roots Start Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 6.950 / 7.200 1.5% / 0%
Conventional 7.200 / 7.450 1.5% / 0%

** HomeAccess is eligible with these products