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 VA

Buy your rate downA lower rate for a bit more paid up front
Rate6.250%
APR6.250%
Points / credit$4,460 cost (0.892 pts up front)
Closing costs$9,695incl. $4,460 in points
P&I payment$3,079/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$435 credit back
Closing costs$4,852after $435 credit
P&I payment$3,160/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$4,890 credit back
Closing costs$449after $4,890 credit
P&I payment$3,243/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$4,460 cost (0.892 pts up front)
Closing costs$9,695incl. $4,460 in points
P&I payment$3,079/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.375%
APR6.375%
Points / credit$2,665 cost (0.533 pts up front)
Closing costs$7,926incl. $2,665 in points
P&I payment$3,119/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$435 credit back
Closing costs$4,852after $435 credit
P&I payment$3,160/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$2,980 credit back
Closing costs$2,333after $2,980 credit
P&I payment$3,202/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.750%
APR6.750%
Points / credit$4,890 credit back
Closing costs$449after $4,890 credit
P&I payment$3,243/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.875%
APR6.875%
Points / credit$5,065 credit back
Closing costs$300after $5,065 credit
P&I payment$3,285/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.000%
APR7.000%
Points / credit$7,765 credit back
Closing costs$2,374 backafter $7,765 credit
P&I payment$3,327/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.125%
APR7.125%
Points / credit$10,230 credit back
Closing costs$4,813 backafter $10,230 credit
P&I payment$3,369/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.250%
APR7.250%
Points / credit$11,060 credit back
Closing costs$5,617 backafter $11,060 credit
P&I payment$3,411/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.500%
APR7.500%
Points / credit$12,970 credit back
Closing costs$7,475 backafter $12,970 credit
P&I payment$3,496/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$4,375 cost (0.875 pts up front)
Closing costs$9,558incl. $4,375 in points
P&I payment$4,219/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$90 cost (0.018 pts up front)
Closing costs$5,325incl. $90 in points
P&I payment$4,287/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$1,190 credit back
Closing costs$4,097after $1,190 credit
P&I payment$4,356/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$4,375 cost (0.875 pts up front)
Closing costs$9,558incl. $4,375 in points
P&I payment$4,219/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.125%
APR6.125%
Points / credit$2,175 cost (0.435 pts up front)
Closing costs$7,384incl. $2,175 in points
P&I payment$4,253/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.250%
APR6.250%
Points / credit$90 cost (0.018 pts up front)
Closing costs$5,325incl. $90 in points
P&I payment$4,287/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.500%
APR6.500%
Points / credit$1,190 credit back
Closing costs$4,097after $1,190 credit
P&I payment$4,356/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate6.625%
APR6.625%
Points / credit$3,275 credit back
Closing costs$2,038after $3,275 credit
P&I payment$4,390/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.