Mortgage Rates as of Thursday, July 16, 2026

** FirstHome Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.000 / 5.250 1.5% / 0%
Conventional 5.250 / 5.500 1.5% / 0%
** FirstHome Start Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.500 / 5.750 1.5% / 0%
Conventional 5.750 / 6.000 1.5% / 0%
** FirstHome DCA Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 5.000 / 5.250 1.5% / 0%
Conventional 5.250 / 5.500 1.5% / 0%
North Dakota Roots Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 6.700 / 6.950 1.5% / 0%
Conventional 6.950 / 7.200 1.5% / 0%
North Dakota Roots Start Rate Origination Fee - Discount Points
Government (FHA, VA, RD) 7.200 / 7.450 1.5% / 0%
Conventional 7.450 / 7.700 1.5% / 0%

** HomeAccess is eligible with these products