Find Mortgage Options by Location
Mortgage pricing is opaque, and location changes your options. We keep it clear so you understand points, closing costs, and DTI before you compare rates.
See OptionsIllustrative 30-Year Fixed Rate by State
Priced October 8, 2026 from Ralo's pricing engine for a 740 credit score, 20% down and no points, on the median-priced home in each state's benchmark county. Each state page carries the full grid by credit score and down payment.
| State | County priced | Home price | Rate | APR | Priced |
|---|---|---|---|---|---|
| California | San Francisco County | $1,150,000 | 7.625% | 7.687% | October 8, 2026 |
| Colorado | Denver County | $550,000 | 7.250% | 7.323% | October 7, 2026 |
| Texas | Travis County | $450,000 | 7.125% | 7.203% | October 7, 2026 |
Illustrative rates for a stated scenario, not a quote, rate lock or commitment. Ralo is a mortgage broker, not a lender. Every rate is shown with the APR from the same pricing result; see the methodology.
Mortgage basics, no jargon
If you're tired or skimming, here's what actually matters before you compare rates.
Points
Points are upfront fees that lower your rate. They only make sense if you keep the loan long enough to earn the savings back.
Closing costs
Closing costs are the fees to finish the loan (appraisal, title, escrow, taxes, insurance). They're separate from your down payment and can add a meaningful amount to your cash to close.
DTI
DTI is your debt-to-income ratio. Lenders compare your monthly debt payments to your gross monthly income. Lower DTI usually means more options and better pricing.
Illiquid investment
A home is a big, illiquid investment. It can take time and money to sell, so buying makes the most sense if you plan to stay for a while.
Pricing is opaque on purpose.
Low rates can hide high fees. We show every line item so you can make a real apples-to-apples comparison. Ralo focuses on clear, all-in quotes so you can compare mortgage options more clearly.
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Explore Loan Types
Conventional
A conventional mortgage is a home loan that is not backed by a government agency. It is the most com...
Jumbo
A jumbo loan is a mortgage that is larger than the conforming limit set each year. It is common in h...
ARM
An adjustable-rate mortgage starts with a lower initial rate for a set period, then adjusts on a sch...
FHA
An FHA loan is a mortgage insured by the Federal Housing Administration. The insurance lets approved...
DSCR
A DSCR loan is a mortgage for an investment property that qualifies on the property rather than on y...
Bank Statement
A bank statement loan is a mortgage that documents income with 12 to 24 months of bank deposits inst...
HELOC
A home equity line of credit is a revolving credit line secured by your home. You borrow what you ne...
Want a clear, all-in quote?
Mortgage pricing is opaque. Compare rate, points, and fees side by side so you can see the real cost. Ralo shows every line item so you can compare mortgage options more clearly.
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