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Compare The Best 10-Year Mortgage Rates February 2024

Choose the most suitable 10-Year mortgage for your needs by comparing rates. The interest rate on a 10-year mortgage is usually lower than on a longer-term mortgage. Your monthly payments will go more toward the principal amount than interest. You could be free of this mortgage payment in a decade.

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Key Facts

  • Mortgage Types: Purchase, Refinance, adjustable, fixed, jumbo, FHA, VA, and USD
  • Min. Credit Score: 620
  • APR: Undisclosed
  • NMLS#: 1168

Pros

pros iconEasy online application process

pros iconTransparent information on their website

pros iconCustomized rates and quick pre-qualification

pros iconDiverse range of loan options

pros icon3% minimum down payment on offer

pros iconAccurate quotes given

Cons

cons iconLock fee of $500

The advertised rates also assume the borrower fully documents income, assets and liabilities, escrows for taxes and insurance, and there is no subordinate financing. * While SSN and hard credit pull are not typically required in order to review your available mortgage rates and get pre-qualified, if you choose to continue and submit a loan application, AmeriSave will then request your consent to pull a full credit report in order to proceed.

  • check mark Protect your rate while you home shop—Lock & Shop
  • check mark Fast pre approval letter with rate lock protection
  • check mark 20+ years of experience with A+ BBB rating
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Key Facts

  • Mortgage types: Purchase, refinance
  • Min. Credit Score: 620
  • APR: 5.4%-7.2%
  • NMLS#: 1681273

Pros

pros iconSecure and private loan application process

pros iconNeat layout and easy navigation

pros icon3-minute application without hard check

Cons

cons iconLimited options for government backed home loans

cons iconCredible doesn’t operate in several large states

cons iconNo face-to-face customer support

cons iconPoor after sale services

Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 4.60% – 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties..

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680.

Bonus disclosure:
“All bonus payments are by gift card.”

*Not all available financial products and offers from all financial institutions have been reviewed by this website

  • check mark Prequalify in just 3 minutes
  • check mark Actual rates from multiple lenders
  • check mark Complete the origination process online
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Key Facts

  • Mortgage Types: Purchase, Refinance, Home Equity
  • Min. Credit Score: 620
  • APR: Varies
  • NMLS#: 6606

Pros

pros iconManual underwriting available to evaluate credit

pros iconOne of the few non-bank lenders offering equity lending and reverse mortgages

pros iconCan participate in the entire process online

pros iconEnglish and Spanish-speaking loan officers available

Cons

cons iconNot available in Hawaii or New York

cons iconDoesn’t work with down payment assistance programs in all states

New American Funding Disclaimer:© 2020 Broker Solutions, Inc. DBA New American Funding. All Rights Reserved. Corporate Office: 14511 Myford Road, Suite 100, Tustin, CA 92780.†14 business day guarantee only applies to purchase transactions. This guarantee does not apply to Reverse Mortgages, FHA 203k, VA, Bond, MCC, loans that require prior approval from an investor, or brokered loans.
The guarantee does not apply if events occur beyond the control of New American Funding, including but not limited to; appraised value, escrow or title delays, 2nd lien holder approval, short sale approval, or lender conditions that cannot be met by any party.
The 14 business day trigger begins when the borrower’s initial mortgage application (including income and assets documentation) is complete, and the borrower has authorized credit card payment for the appraisal. If New American Funding fails to perform otherwise, a credit of $250 will be applied toward closing costs.

  • check mark Low down payments required ~3%
  • check mark Dedicated to serving minorities
  • check mark Customizable mortgages for a range of credit scores
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Key Facts

  • Mortgage Types: Purchase, Refinance
  • Min. Credit Score: 620
  • APR: Varies
  • NMLS#: 3175

Pros

pros iconOver 200 lending partners

pros iconA variety of home loan types

pros iconFast, intuitive, detailed questionnaire

Cons

cons iconNo loan fee information

cons iconDoesn’t always find you a loan

HomeEquityQuiz is an online news and information service providing editorial content and directory information about mortgages and loans. HomeEquityQuiz is not a lender or mortgage broker and does not offer loans or mortgages directly or indirectly through representatives or agents. HomeEquityQuiz does not provide an application for credit or a mortgage loan. HomeEquityQuiz is not responsible for the accuracy of information or responsible for the accuracy of the rates, APR or loan information posted by brokers, lenders or advertisers. All trademarks and logos appearing on this site are the property of their respective owners. Their appearance on this site does not indicate or imply an endorsement of our product.

  • check mark Marketplace with over 200 lending partners
  • check mark Fast and intuitive questionnaire
  • check mark Application with no hard credit pull