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 October 2, 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

Par rateNo points and no lender credit, the balanced middle
Rate7.875%
APR7.875%
Points / credit$0 cost (0.680 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.999%
APR7.999%
Points / credit$0 cost (0.158 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Most credit backThe highest rate; the largest credit toward closing
Rate8.125%
APR8.125%
Points / creditPar · no points
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

30 Year Fixed FHA

Par rateNo points and no lender credit, the balanced middle
Rate7.625%
APR7.625%
Points / credit$0 cost (0.576 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.750%
APR7.750%
Points / credit$0 cost (0.116 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

30 Year Fixed VA

Par rateNo points and no lender credit, the balanced middle
Rate7.250%
APR7.250%
Points / credit$0 cost (0.865 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.500%
APR7.500%
Points / credit$0 cost (0.805 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Most credit backThe highest rate; the largest credit toward closing
Rate7.750%
APR7.750%
Points / creditPar · no points
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Show all 4 rate options for 30 Year Fixed VA
Rate7.250%
APR7.250%
Points / credit$0 cost (0.865 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.500%
APR7.500%
Points / credit$0 cost (0.805 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.625%
APR7.625%
Points / credit$0 cost (0.326 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Rate7.750%
APR7.750%
Points / creditPar · no points
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

FHA 30 Year Fixed

Par rateNo points and no lender credit, the balanced middle
Rate7.625%
APR7.625%
Points / credit$0 cost (0.866 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.750%
APR7.750%
Points / credit$0 cost (0.406 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

VA 30 Year Fixed

Par rateNo points and no lender credit, the balanced middle
Rate7.625%
APR7.625%
Points / credit$0 cost (0.616 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.750%
APR7.750%
Points / credit$0 cost (0.156 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

20 Year Fixed

Par rateNo points and no lender credit, the balanced middle
Rate7.875%
APR7.875%
Points / credit$0 cost (0.795 pts up front)
Closing costs$3,933
P&I payment$0/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
Rate7.999%
APR7.999%
Points / credit$0 cost (0.324 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs
Most credit backThe highest rate; the largest credit toward closing
Rate8.125%
APR8.125%
Points / creditPar · no points
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

15 Year Fixed

Par rateNo points and no lender credit, the balanced middle
Rate7.599%
APR7.599%
Points / credit$0 cost (0.616 pts up front)
Closing costs$3,933
P&I payment$0/mo
See mortgage payment with PMI (private mortgage insurance), property tax, homeowners ins, HOA and closing costs

10 Year Fixed

Par rateNo points and no lender credit, the balanced middle
Rate7.599%
APR7.599%
Points / credit$0 cost (0.904 pts up front)
Closing costs$3,933
P&I payment$0/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.