現在の住宅ローン金利

あなたの夢の家に 最適な住宅ローン金利を見つけましょう。

今日の住宅ローン金利を確認し、それが住宅ローンにどのような影響を与えるかを学びます。

10年固定⁵

5.500% レート

6.126% 4月

15年固定⁶

5.625% レート

6.061% 4月

20年固定⁷

6.375% レート

6.703% 4月

30年固定⁸

6.625% レート

6.881% 4月

すべてのAPRは毎日更新されます

料金を見る

お客様独自のニーズに最適なオプションを見つけるのにサポートが必要ですか？住宅ローン担当者まで （844）-763-4466 までご連絡ください。

住宅ローンにSoFiを選ぶ理由は何ですか?

料金を見る

予算に合った、長期的な貯蓄につながる競争力のある住宅ローン金利を見つけましょう。

ご自宅のソファに座ったまま、オンラインで簡単にお申し込みいただけます。ご質問がございましたら、住宅ローン担当者が喜んでお手伝いいたします。

自分に合った返済条件をお選びください。10 年、15 年、20 年、30 年の固定期間と調整期間をご用意しています。

SoFiの認証済み事前承認書を取得して、競争力のある住宅購入の旅を始めましょう 。3

あらゆる借り手向けの住宅ローンの種類。

ジャンボローン

ジャンボローンは FHA が設定したドル制限を超えており、住宅価格が高い地域では必要となる場合があります。

VAローン

現役軍人、退役軍人、予備役軍人向けの特別金利および頭金不要の VA 住宅ローン 。9

FHAローン

信用力が十分でなかったり、頭金に充てる現金が少なかったりする場合でも、FHAローンを利用すれば希望の住宅を購入できる可能性があります 。10

最良の住宅ローン金利を得る方法:

  • クレジットスコアを改善しましょう。

    クレジットスコアを確認し 、改善に努めることは、最良の住宅ローン金利を得るための賢明な戦略です。たとえ小さな改善でも、ローン期間全体で数千ドルの節約につながる大きな違いを生み出す可能性があります。

  • あちこち買い物してください。

    金融機関によって金利は異なります。複数の金融機関の金利を比較することで、最も競争力のある住宅ローン金利を見つけることができます。

  • Consider different terms.

    Different loan terms help you find a mortgage rate that suits your financial goals, whether you re focused on minimizing interest or lowering monthly payments. Your goals can help you choose the best option.

  • Build a reliable employment record.

    Did you know most lenders require two years of employment records to qualify for a home loan? Building your employment record shows lenders you re a stable, trustworthy borrower and, ultimately, helps you secure better rates.

個人ローン計算機のイラスト

See what factors impact your mortgage.

See how different loan amounts, down payments, and other factors impact your home mortgage with our mortgage calculator.

How to get preapproved for a mortgage with SoFi:

  • Tell us about yourself.

    Share a bit about yourself and your home loan goals.

  • Provide details about your financial situation.

    Submit financial documents like pay stubs, tax returns and bank statements.

  • Wait for review.

    Your information will be reviewed by an underwriter.

View your rate

Current mortgage rates by state.

Compare current home interest rates by state and find a mortgage rate that suits your financial goals.


Select a state to view current rates:

Mortgage rate tools and resources for homebuyers.

FAQs

A 15-year fixed-rate mortgage typically costs less over the life of the loan because you ll pay less in total interest payments. With a 15-year mortgage, you re borrowing for half the time of a 30-year loan, so the total interest you pay will likely be much less.

See more FAQs

5 30-YEAR Payment Example: The payment for a 30-year term, loan amount $362000.00, Rate 6.625%, LTV 80% is $2318.00 for full Principal and Interest Payments with $6678.90 due at closing. The Annual Percentage Rate is 6.881%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

6 20-YEAR Payment Example: The payment for a 20-year term, loan amount $362000.00, Rate 6.375%, LTV 80% is $2672.00 for full Principal and Interest Payments with $6555.82 due at closing. The Annual Percentage Rate is 6.703%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

7 15-YEAR Payment Example: The payment for a 15-year term, loan amount $362000.00, Rate 5.625%, LTV 80% is $2982.00 for full Principal and Interest Payments with $7308.78 due at closing. The Annual Percentage Rate is 6.061%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.

8 10-YEAR Payment Example: The payment for a 10-year term, loan amount $362000.00, Rate 5.500%, LTV 80% is $3929.00 for full Principal and Interest Payments with $7439.10 due at closing. The Annual Percentage Rate is 6.126%. No prepayment penalty. Payment shown does not include taxes and insurance. The actual payment amount will be greater. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.