Mable Loans

What's the Best Mortgage for You?

Short answer

It depends on your credit score and down payment. Find yours below: every box shows today's best loan, FHA or conventional, and how much it saves over 10 years. Tap one for the full side-by-side math.

Today’s rates · Rates as of September 25, 2026

Today's best loan

By credit score and down payment

Credit score5% down10% down
640FHAsaves $42,116 / 10 yrsFHAsaves $30,734 / 10 yrs
660FHAsaves $38,345 / 10 yrsFHAsaves $29,756 / 10 yrs
680FHAsaves $26,018 / 10 yrsFHAsaves $18,216 / 10 yrs
700FHAsaves $20,384 / 10 yrsFHAsaves $14,600 / 10 yrs
720FHAsaves $10,976 / 10 yrsFHAsaves $11,954 / 10 yrs
740+FHAsaves $10,101 / 10 yrsFHAsaves $6,449 / 10 yrs

30-year fixed purchase of a $375,000 single-family primary residence in Virginia. “Saves” is the difference in total borrowing cost (closing costs, interest and mortgage insurance) over 10 years.

How we stack up

Lower rates than Zillow and Rocket

Rates up to

1%

lower

Save up to

$22,100*

over 10 years

FHA
Mable6.500%
Zillow7.500%
Rocket6.875%
Up to 1% lowerSave up to $22,100
VA
Mable6.625%
Zillow7.125%
Rocket6.990%
Up to 0.5% lowerSave up to $11,000
Conventional
Mable7.375%
Zillow7.750%
Rocket7.500%
Up to 0.375% lowerSave up to $8,400
See your custom rate

The Mable way

No haggle. No hassle.

Great rates, right up front, for every customer.

  • Our best rate from the start

    No negotiating and no games. The rate we show you is the rate we honor.

  • A real person answers

    Call or text and you'll hear back fast, all the way to closing.

  • No late surprises

    We check your credit and documents before we pre-approve you.

Keep comparing

Best mortgage by credit score and down payment

By down payment

Get your custom quote in 60 seconds

Today’s rates, priced for your scenario.

  • Just a few questions
  • Instant, automated pricing
  • No hard credit pull
See my rate Or call (571) 396-5719

* Comparison uses rates published on each lender’s website as of September 25, 2026 at 1:41 PM ET, for each lender’s own sample loan: Zillow Home Loans, $275,000 loan, 20% down, 740+ credit score, primary residence; Rocket Mortgage, $350,000 loan, 20% down, 740 credit score, single-family primary residence. Mable’s rate is the lowest rate from our pricing of those same sample loans (same loan amount, down payment and credit score, at no more discount points than the lender it was priced against). Savings over 10 years are the difference in monthly principal and interest on each lender’s sample loan amount, times 120 months. Published rates change often and may include assumptions we can’t verify. Your rate depends on your credit, property, loan amount and other factors. This is not a loan offer or a commitment to lend. Zillow Home Loans and Rocket Mortgage are trademarks of their respective owners and are not affiliated with Mable Loans.