See today’s mortgage rates and what they mean for you.
We update rates frequently to give you real clarity, no credit hit, no guessing.
CONV 30 Year Purchase
CONV 15 Year Purchase
FHA 30 Year Purchase
FHA 15 Year Purchase
VA 30 Year Purchase
VA 15 Year Purchase
JUMBO 30 Year Purchase
JUMBO 15 Year Purchase
USDA 30 Year Purchase
USDA 15 Year Purchase
Numbers matter. Understanding them changes everything.
Why Home Buyers Choose Oxford
Speed to Get Approved and Close
Guidance You Receive
Confidence When Making an Offer
Support After Closing
When the right home comes along, timing and clarity matter. Oxford Home Lending helps buyers move quickly, understand their options, and make confident decisions with guidance that continues long after closing.
Calculate your buying potential
Use our calculator to explore your numbers without pressure. Adjust payments, rates, and terms to see what changes. Get clarity fast so you can decide your next step with confidence.
Real people. Real challenges. Real mortgage success.
What if answers changed everything you feared?
Still unsure? Talk to someone who hears you, not a script.
There is no one-size-fits-all mortgage. The best loan depends on your income, goals, credit history, and how long you plan to stay in the home. Speaking with an Oxford professional can help you build a mortgage strategy that fits your full financial picture.
Timing the market is tough, and waiting could mean missing out. We help you evaluate your current situation and decide whether to act now or prepare for later. Either way, we build your plan together.
Yes. Through refinancing or a home equity loan, you may be able to lower your rate or access cash. A quick conversation with our team can help you explore the smartest path forward.
Pre-approval shows sellers you are serious and gives you a clear budget. At Oxford, we offer soft-pull pre-approvals so you can explore your mortgage options without affecting your credit.
Your ideal payment depends on more than just income. Consider taxes, insurance, lifestyle, and future goals. Our mortgage calculators are a great starting point, and our advisors can help you fine-tune a monthly plan that fits.
Absolutely! While documentation is different, self-employed borrowers can qualify with the right structure. Our team can guide you through options designed specifically for non-traditional income situations.
That is completely normal. Mortgages come with a lot of industry language, but we break it all down clearly and walk you through every detail. If anything feels unclear, we are here to talk through it.
Your mortgage is more than a loan. It is a financial lever. The right structure can help you build equity, free up capital, and open doors to future investments. Let’s talk through what makes the most sense for your bigger goals.
We do more than offer loans. We help people make smart mortgage decisions. You will never feel rushed or left in the dark. Our focus is on clarity, strategy, and real support from the first conversation to the final closing.
Still have a question?
No problem. Let’s just talk.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
© 2026 Lower, LLC | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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