Important disclosures — please read

Estimate only; not a commitment to lend. This tool is for general informational and educational purposes. It is not a loan estimate, pre-approval, pre-qualification, commitment to lend, or offer to enter into an interest-rate lock. All numbers are estimates that depend on credit approval, verified income/assets, property details, program guidelines, and final loan terms, and may change.

Interest rate & APR. The rate defaults to a recent U.S. national average for the selected loan type, based on daily Optimal Blue® Mortgage Market Indices for conforming, FHA, VA, and USDA loans, and is editable. It is a market average for estimating only — not a rate quote, offer, or lock — and your actual rate will differ based on your credit, loan details, and current lender pricing. The rate shown is a nominal note rate, not an Annual Percentage Rate (APR); APR reflects certain financing costs and is typically higher. Ask your lender for a Loan Estimate showing the APR. Rate data is provided via the FRED® API; this product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Taxes & insurance are estimated. Property taxes are estimated by applying your county's typical effective tax rate (the county's median tax bill as a share of home value) to the home price; actual taxes are set by the county assessor and vary by property, exemptions, and taxing district. Homeowners insurance is estimated at roughly 0.4% of the home price per year; your actual premium will vary, so use a real quote. HOA dues default to $0 — enter your community's actual dues. Closing costs are not included.

Mortgage insurance by program. Conventional PMI applies under 20% down and ends at 20% equity. FHA includes a 1.75% upfront MIP financed into the loan plus monthly MIP of about 0.55% (0.50% with 5%+ down) for most 30-year loans — larger base loans and 15-year terms carry different MIP rates — lasting the life of the loan under 10% down and ending after 11 years at 10%+ down. FHA loans are also subject to county loan limits; the 2026 one-unit floor is $541,287, many counties nationwide have higher limits, and the calculator warns when a scenario exceeds the selected county's limit. VA includes a one-time funding fee financed into the loan and no monthly MI; many disabled veterans are exempt. USDA includes a 1.00% upfront guarantee fee financed into the loan plus a 0.35% annual fee paid monthly for the life of the loan, and requires the property to be in a USDA-eligible rural area with household income within program limits — this tool does not determine USDA eligibility. Program rates current as of July 2026.

Temporary buydowns. A temporary buydown (1/0, 2/1, or 3/2/1) lowers the interest rate — and the monthly payment — for the first one to three years, after which the payment steps up to the full note-rate amount. Your loan is underwritten and qualified at the full note rate; the buydown does not permanently change your rate or balance. See Disclosures for details.

Your right to choose your lender. You are not required to use Colten Mortgage to finance a home purchase or refinance. You may shop for and select any lender, and you should compare offers from multiple lenders.

Not a government agency. Colten Mortgage is not acting on behalf of, or at the direction of, FHA, VA, USDA, HUD, or any government agency. FHA, VA, and USDA are government loan programs, but this tool and this company are private entities.

Equal Housing & licensing. Colten Mortgage, a division of All Western Mortgage, Inc. — Corporate NMLS #14210. Equal Housing Lender / Equal Housing Opportunity. Lending products are subject to credit and property approval and are not available in all areas. The state and county selector in this tool reflects the states where All Western Mortgage, Inc. is licensed to lend; verify licensing via the NMLS Consumer Access website.

Full details: Disclosures · Terms of Use · Privacy · Accessibility