Tennessee and Florida Mortgage Rates

Today's mortgage rates & closing costs

Adjust the scenario and see rate, APR, points or credit, closing costs and payment for every program, with no application and no hard credit pull. We are licensed in Tennessee and Florida.

Rate Search Results

Latest available Tennessee mortgage pricing ● As of September 22, 2026

For each program we show three ways to price the same loan: buy your rate down by paying points up front for a lower rate, take the par rate with no points and no credit, or accept a slightly higher rate and let a lender credit cover your closing costs. Same loan, different trade-offs. Want every option? Open "Show all rate options" under any program.

30 Year Fixed

Buy your rate downA lower rate for a bit more paid up front
Rate6.999%
APR6.999%
Points / credit$3,551 cost (0.736 pts up front)
Closing costs$8,891incl. $3,551 in points
P&I payment$3,210/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate7.250%
APR7.250%
Points / credit$207 cost (0.043 pts up front)
Closing costs$5,598incl. $207 in points
P&I payment$3,292/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.375%
APR7.375%
Points / credit$2,779 credit back
Closing costs$2,636after $2,779 credit
P&I payment$3,333/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 8 rate options for 30 Year Fixed
Rate6.999%
APR6.999%
Points / credit$3,551 cost (0.736 pts up front)
Closing costs$8,891incl. $3,551 in points
P&I payment$3,210/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.125%
APR7.125%
Points / credit$1,641 cost (0.340 pts up front)
Closing costs$7,006incl. $1,641 in points
P&I payment$3,251/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.250%
APR7.250%
Points / credit$207 cost (0.043 pts up front)
Closing costs$5,598incl. $207 in points
P&I payment$3,292/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.375%
APR7.375%
Points / credit$2,779 credit back
Closing costs$2,636after $2,779 credit
P&I payment$3,333/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.625%
APR7.625%
Points / credit$7,392 credit back
Closing costs$1,926 backafter $7,392 credit
P&I payment$3,415/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.750%
APR7.750%
Points / credit$7,619 credit back
Closing costs$2,128 backafter $7,619 credit
P&I payment$3,457/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.875%
APR7.875%
Points / credit$10,485 credit back
Closing costs$4,969 backafter $10,485 credit
P&I payment$3,498/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate8.000%
APR8.000%
Points / credit$13,249 credit back
Closing costs$7,708 backafter $13,249 credit
P&I payment$3,540/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

30 Year Fixed FHA

Buy your rate downA lower rate for a bit more paid up front
Rate6.375%
APR6.375%
Points / credit$4,260 cost (0.883 pts up front)
Closing costs$9,475incl. $4,260 in points
P&I payment$3,010/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.625%
APR6.625%
Points / credit$1,187 credit back
Closing costs$4,078after $1,187 credit
P&I payment$3,090/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate6.750%
APR6.750%
Points / credit$3,030 credit back
Closing costs$2,260after $3,030 credit
P&I payment$3,129/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 10 rate options for 30 Year Fixed FHA
Rate6.375%
APR6.375%
Points / credit$4,260 cost (0.883 pts up front)
Closing costs$9,475incl. $4,260 in points
P&I payment$3,010/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$1,269 cost (0.263 pts up front)
Closing costs$6,509incl. $1,269 in points
P&I payment$3,050/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$1,187 credit back
Closing costs$4,078after $1,187 credit
P&I payment$3,090/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.750%
APR6.750%
Points / credit$3,030 credit back
Closing costs$2,260after $3,030 credit
P&I payment$3,129/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.000%
APR7.000%
Points / credit$3,874 credit back
Closing costs$1,466after $3,874 credit
P&I payment$3,210/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.125%
APR7.125%
Points / credit$6,253 credit back
Closing costs$888 backafter $6,253 credit
P&I payment$3,251/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.250%
APR7.250%
Points / credit$7,054 credit back
Closing costs$1,664 backafter $7,054 credit
P&I payment$3,292/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.375%
APR7.375%
Points / credit$8,994 credit back
Closing costs$3,578 backafter $8,994 credit
P&I payment$3,333/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.500%
APR7.500%
Points / credit$11,310 credit back
Closing costs$5,869 backafter $11,310 credit
P&I payment$3,374/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.625%
APR7.625%
Points / credit$13,462 credit back
Closing costs$7,996 backafter $13,462 credit
P&I payment$3,415/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

30 Year Fixed VA

Buy your rate downA lower rate for a bit more paid up front
Rate6.250%
APR6.250%
Points / credit$4,304 cost (0.892 pts up front)
Closing costs$9,493incl. $4,304 in points
P&I payment$2,971/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.500%
APR6.500%
Points / credit$420 credit back
Closing costs$4,820after $420 credit
P&I payment$3,050/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate6.750%
APR6.750%
Points / credit$4,719 credit back
Closing costs$571after $4,719 credit
P&I payment$3,129/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 10 rate options for 30 Year Fixed VA
Rate6.250%
APR6.250%
Points / credit$4,304 cost (0.892 pts up front)
Closing costs$9,493incl. $4,304 in points
P&I payment$2,971/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.375%
APR6.375%
Points / credit$2,572 cost (0.533 pts up front)
Closing costs$7,786incl. $2,572 in points
P&I payment$3,010/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$420 credit back
Closing costs$4,820after $420 credit
P&I payment$3,050/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$2,876 credit back
Closing costs$2,389after $2,876 credit
P&I payment$3,090/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.750%
APR6.750%
Points / credit$4,719 credit back
Closing costs$571after $4,719 credit
P&I payment$3,129/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.875%
APR6.875%
Points / credit$4,888 credit back
Closing costs$427after $4,888 credit
P&I payment$3,170/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.000%
APR7.000%
Points / credit$7,493 credit back
Closing costs$2,153 backafter $7,493 credit
P&I payment$3,210/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.125%
APR7.125%
Points / credit$9,872 credit back
Closing costs$4,507 backafter $9,872 credit
P&I payment$3,251/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.250%
APR7.250%
Points / credit$10,673 credit back
Closing costs$5,282 backafter $10,673 credit
P&I payment$3,292/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.500%
APR7.500%
Points / credit$12,516 credit back
Closing costs$7,075 backafter $12,516 credit
P&I payment$3,374/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

20 Year Fixed

Buy your rate downA lower rate for a bit more paid up front
Rate7.125%
APR7.125%
Points / credit$3,122 cost (0.647 pts up front)
Closing costs$8,487incl. $3,122 in points
P&I payment$3,777/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate7.250%
APR7.250%
Points / credit$1,129 cost (0.234 pts up front)
Closing costs$6,520incl. $1,129 in points
P&I payment$3,814/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.375%
APR7.375%
Points / credit$1,756 credit back
Closing costs$3,659after $1,756 credit
P&I payment$3,850/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 8 rate options for 20 Year Fixed
Rate7.125%
APR7.125%
Points / credit$3,122 cost (0.647 pts up front)
Closing costs$8,487incl. $3,122 in points
P&I payment$3,777/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.250%
APR7.250%
Points / credit$1,129 cost (0.234 pts up front)
Closing costs$6,520incl. $1,129 in points
P&I payment$3,814/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.375%
APR7.375%
Points / credit$1,756 credit back
Closing costs$3,659after $1,756 credit
P&I payment$3,850/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.625%
APR7.625%
Points / credit$6,321 credit back
Closing costs$855 backafter $6,321 credit
P&I payment$3,924/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.750%
APR7.750%
Points / credit$7,421 credit back
Closing costs$1,930 backafter $7,421 credit
P&I payment$3,961/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.875%
APR7.875%
Points / credit$10,253 credit back
Closing costs$4,737 backafter $10,253 credit
P&I payment$3,998/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate8.000%
APR8.000%
Points / credit$12,724 credit back
Closing costs$7,182 backafter $12,724 credit
P&I payment$4,036/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate8.125%
APR8.125%
Points / credit$14,379 credit back
Closing costs$8,812 backafter $14,379 credit
P&I payment$4,073/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

15 Year Fixed

Buy your rate downA lower rate for a bit more paid up front
Rate6.375%
APR6.375%
Points / credit$2,422 cost (0.502 pts up front)
Closing costs$7,637incl. $2,422 in points
P&I payment$4,170/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.625%
APR6.625%
Points / credit$280 credit back
Closing costs$4,985after $280 credit
P&I payment$4,236/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate6.875%
APR6.875%
Points / credit$3,759 credit back
Closing costs$1,556after $3,759 credit
P&I payment$4,303/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 7 rate options for 15 Year Fixed
Rate6.375%
APR6.375%
Points / credit$2,422 cost (0.502 pts up front)
Closing costs$7,637incl. $2,422 in points
P&I payment$4,170/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$979 cost (0.203 pts up front)
Closing costs$6,219incl. $979 in points
P&I payment$4,203/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$280 credit back
Closing costs$4,985after $280 credit
P&I payment$4,236/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.750%
APR6.750%
Points / credit$1,269 credit back
Closing costs$4,021after $1,269 credit
P&I payment$4,270/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.875%
APR6.875%
Points / credit$3,759 credit back
Closing costs$1,556after $3,759 credit
P&I payment$4,303/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.000%
APR7.000%
Points / credit$5,143 credit back
Closing costs$197after $5,143 credit
P&I payment$4,337/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.125%
APR7.125%
Points / credit$6,210 credit back
Closing costs$844 backafter $6,210 credit
P&I payment$4,371/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

15 Year Fixed FHA

Buy your rate downA lower rate for a bit more paid up front
Rate6.000%
APR6.000%
Points / credit$4,704 cost (0.975 pts up front)
Closing costs$9,844incl. $4,704 in points
P&I payment$4,072/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.250%
APR6.250%
Points / credit$569 cost (0.118 pts up front)
Closing costs$5,759incl. $569 in points
P&I payment$4,137/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate6.500%
APR6.500%
Points / credit$666 credit back
Closing costs$4,574after $666 credit
P&I payment$4,203/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 5 rate options for 15 Year Fixed FHA
Rate6.000%
APR6.000%
Points / credit$4,704 cost (0.975 pts up front)
Closing costs$9,844incl. $4,704 in points
P&I payment$4,072/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.125%
APR6.125%
Points / credit$2,581 cost (0.535 pts up front)
Closing costs$7,746incl. $2,581 in points
P&I payment$4,104/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.250%
APR6.250%
Points / credit$569 cost (0.118 pts up front)
Closing costs$5,759incl. $569 in points
P&I payment$4,137/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$666 credit back
Closing costs$4,574after $666 credit
P&I payment$4,203/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$2,678 credit back
Closing costs$2,587after $2,678 credit
P&I payment$4,236/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

15 Year Fixed VA

Buy your rate downA lower rate for a bit more paid up front
Rate6.000%
APR6.000%
Points / credit$4,222 cost (0.875 pts up front)
Closing costs$9,361incl. $4,222 in points
P&I payment$4,072/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.250%
APR6.250%
Points / credit$87 cost (0.018 pts up front)
Closing costs$5,276incl. $87 in points
P&I payment$4,137/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate6.500%
APR6.500%
Points / credit$1,148 credit back
Closing costs$4,091after $1,148 credit
P&I payment$4,203/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 5 rate options for 15 Year Fixed VA
Rate6.000%
APR6.000%
Points / credit$4,222 cost (0.875 pts up front)
Closing costs$9,361incl. $4,222 in points
P&I payment$4,072/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.125%
APR6.125%
Points / credit$2,099 cost (0.435 pts up front)
Closing costs$7,263incl. $2,099 in points
P&I payment$4,104/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.250%
APR6.250%
Points / credit$87 cost (0.018 pts up front)
Closing costs$5,276incl. $87 in points
P&I payment$4,137/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$1,148 credit back
Closing costs$4,091after $1,148 credit
P&I payment$4,203/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$3,160 credit back
Closing costs$2,105after $3,160 credit
P&I payment$4,236/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

10 Year Fixed

Buy your rate downA lower rate for a bit more paid up front
Rate6.500%
APR6.500%
Points / credit$1,872 cost (0.388 pts up front)
Closing costs$7,112incl. $1,872 in points
P&I payment$5,479/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Par rateNo points and no lender credit, the balanced middle
Rate6.750%
APR6.750%
Points / credit$666 credit back
Closing costs$4,624after $666 credit
P&I payment$5,540/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Little to nothing at closingA slightly higher rate; the lender credit covers your closing costs
Rate7.000%
APR7.000%
Points / credit$4,256 credit back
Closing costs$1,085after $4,256 credit
P&I payment$5,602/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 6 rate options for 10 Year Fixed
Rate6.375%
APR6.375%
Points / credit$2,963 cost (0.614 pts up front)
Closing costs$8,177incl. $2,963 in points
P&I payment$5,448/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$1,872 cost (0.388 pts up front)
Closing costs$7,112incl. $1,872 in points
P&I payment$5,479/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$946 cost (0.196 pts up front)
Closing costs$6,211incl. $946 in points
P&I payment$5,509/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.750%
APR6.750%
Points / credit$666 credit back
Closing costs$4,624after $666 credit
P&I payment$5,540/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.875%
APR6.875%
Points / credit$3,156 credit back
Closing costs$2,160after $3,156 credit
P&I payment$5,571/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.000%
APR7.000%
Points / credit$4,256 credit back
Closing costs$1,085after $4,256 credit
P&I payment$5,602/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

Principal and interest only. Taxes, insurance, HOA dues and applicable mortgage insurance are not included unless specifically stated. Rates are examples based on the scenario above, subject to verification and market changes, and are not a commitment to lend.

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. The results displayed above are only estimates and cannot be used to determine actual loan cost or be used as a guarantee. Your individual results may vary. Please contact your loan consultant for an official estimate.