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Looking for your first mortgage, moving to your forever home, or ready to refinance your existing mortgage? We have options available to you. Our mortgage specialists can help you choose the right mortgage for your specific needs. To contact a mortgage specialist today call 833-962-HOME.
6.750%*
6.125%*
6.500%*
These rates are current as of 12:10pm ET on July 28, 2025.
Fixed-rate mortgages allow buyers to lock in a set interest rate for the entire loan.
Bridge loans allow homebuyers the flexibility to buy a new home before selling their current one.
As a first-time homebuyer or veteran, you might be eligible for an FHA or VA mortgage.
At Firstrust, we understand the anxiety as well as the excitement that comes with buying your first home.
Take advantage of low mortgage rates to shorten your term or lower your monthly payment.
Create more affordability in your mortgage payment with our buydown program.
Your debt-to-income ratio, or DTI, equals your monthly debt payments divided by your gross income (pre-tax monthly income), and is expressed as a percentage. Lenders use this number to determine your ability to afford your debt payments.
† DISCLOSURES:
*Not everyone that applies will qualify for the rates shown. Rates shown are based on an applicant FICO score of at least 720 for an owner-occupied home purchase, with a loan amount of $200,000 and a loan-to-value ratio of no more than 75%. Rate locks do not exceed 60 days. Rates are subject to change at any time.
Mortgage loans are offered by Firstrust Bank NMLS # 424205. All loans are subject to individual credit approval. Pre-qualification is not a commitment to lend. Offer may not be combined with any other offer and may be revised or rescinded at any time without notice.
Firstrust National Licensing Service (NMLS Representatives)
Based on a $200,000 30-year fixed-rate mortgage with a Note Rate of 6.750% for a 6.865% APR, there would be 360 monthly payments of $1,297.20. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
Based on a $200,000 15-year fixed-rate mortgage with a Note Rate of 6.125% for a 6.305% APR, there would be 180 monthly payments of $1,701.25. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
A Federal Housing Administration (FHA) loan is a government-backed home loan with more flexible down payment and credit requirements than other conventional loans. FHA loans may have a higher interest rate and borrowers will have to pay an upfront mortgage insurance fee and monthly mortgage insurance premiums.
Based on a $200,000 30-year fixed-rate mortgage with a Note Rate of 6.500% for a 7.380% APR, there would be 360 monthly payments of $1,427.21. The payment amounts are principal and interest payments only. They do not include amounts for insurance and taxes.
Rates shown are based on an applicant FICO score of 680 for an owner-occupied, 3.5% down payment, a total loan amount of $203,500 which includes a financed upfront mortgage insurance fee of $3,500, and a monthly mortgage insurance premium of $140.38. Rate locks do not exceed 60 days. Rates are subject to change at any time.
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