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For 30 yr fixed rate mortgage:

APR calculation for a 30 year fixed rate purchase mortgage assumes a 740 credit score, a single-family, owner-occupied primary residence located in Virginia; a 20% down payment and a loan amount of $200,000, with a 30-day lock period

For 30 yr fixed rate FHA mortgage:

APR calculation for a 30 year fixed rate FHA purchase mortgage assumes a 680 credit score, a single-family, owner-occupied primary residence located in Virginia; a 3.5% down payment and a loan amount of $200,000, with a 30-day lock period

For 30 yr fixed rate VA mortgage:

APR calculation for a 30 fixed rate VA purchase mortgage assumes a 680 credit score, a single-family, owner-occupied primary residence located in Virginia; a 0% down payment and a loan amount of $200,000, with a 30-day lock period. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

For 15 yr fixed rate mortgage:

APR calculation for a 15 year fixed rate purchase mortgage assumes a 740 credit score, a single-family, owner-occupied primary residence located in Virginia; a 20% down payment and a loan amount of $200,000, with a 30-day lock period

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