Current Mortgage Rates & Calculator - Wealthfront Home Lending

Mortgage type

  • Purchase
  • Refinance

Term

ZIP code

Property details

  • Purchase price
  • Down payment
  • Property type
  • Occupancy

Personal info

  • Credit score
  • Estimated annual income
  • First-time home buyer

Update rate

  • 0.156 points. Estimated rate 5.875%. 5.934% APR. Monthly payment $2,839.38 per month.
    Rates as of Apr 18, 2026 at 6:47pm EDT

Today's purchase rates in San Francisco, CA

Estimated rate

  • 5.875%
  • 5.934% APR
  • Monthly payment: $2,839.38/mo
  • 0.156 points
  • $748 added at closing

Why our clients love us

  • Low rates, for real
    • See our name on any stadiums? We invest in automation, not expensive ads, so we can pass more savings on to you.
  • No pushy sales calls
    • Nothing is hidden behind a sales call. If you want help, our team of experienced loan officers are ready to assist.
  • A simpler, smarter process
    • Get pre-approved, configure your loan, and lock your rate directly in the app—no paperwork required.

Words to know

  • Points: A one-time fee paid at closing to get a lower interest rate.
  • Credits: Money you get from your lender to lower closing costs in exchange for a higher interest rate.
  • Rate: The percent in interest charged on the amount you'll borrow.
  • APR: The overall cost of the loan, including interest and other fees, shown as a single percentage.
  • Principal: The amount of money borrowed to buy your home.

Common questions

What are points and credits? How do I know if they're right for me?

What's the difference between APR and interest rate?

How can I compare this rate to other lenders?

Do rates change?

What factors influence my rate?

What's the difference between a fixed-rate and an adjustable-rate mortgage?

Can I put less than 20% down?

Do I need to pay for private mortgage insurance (PMI)?

Does Wealthfront Home Lending charge lender fees?

Rates, APRs, payments and estimated costs shown are for illustrative purposes only and are not a commitment to lend. Rates and fees are current as of the time displayed above and are subject to change without notice including fluctuations throughout the day. Estimates are based on the information you provide and standardized assumptions including estimated third party fees which may vary by property location, loan characteristics, and other factors. Because we do not yet have a complete financial picture actual rates, payments and costs may be higher. Final loan terms, costs and APR will be determined upon application and disclosed in an official Loan Estimate. Loan approval is subject to underwriting review and not all applicants will be approved.

Home loan availability is subject to credit approval and applicable state and federal licensing requirements. Rates vary based on credit profile, loan terms and market conditions. Not all applicants will qualify for the lowest advertised rates. Equal Housing Opportunity.