$600,000 purchase · Primary residence
Conventional
Interest rate6.509%
Estimated APR6.687%
- Loan amount
- $480,000
- LTV
- 80%
- Term
- 30-year fixed
- Monthly P&I
- $3,039.77
AVITA FINANCIALRESIDENTIAL & COMMERCIALStart application Rate quote as of September 11, 2026
Current mortgage rate scenarios
Compare representative loan structures, including conventional financing and alternatives for self-employed borrowers, asset-based qualification and investment properties.
Owner-occupied financing
Primary residence scenarios
$600,000 purchase · Primary residence
Bank Statement
Interest rate7.208%
Estimated APR7.355%
- Loan amount
- $480,000
- LTV
- 80%
- Term
- 40-year fixed with interest-only period
- Initial interest-only payment
- $2,883.20
$450,000 purchase · Primary residence
Conventional
Interest rate6.401%
Estimated APR6.637%
- Loan amount
- $360,000
- LTV
- 80%
- Term
- 30-year fixed
- Monthly P&I
- $2,266.22
$500,000 purchase · Primary residence
Bank Statement
Interest rate6.750%
Estimated APR6.932%
- Loan amount
- $400,000
- LTV
- 80%
- Term
- 30-year fixed
- Monthly P&I
- $2,594.00
$500,000 purchase · Primary residence
Asset Depletion
Interest rate6.875%
Estimated APR7.061%
- Loan amount
- $400,000
- LTV
- 80%
- Term
- 30-year fixed
- Monthly P&I
- $2,628.00
Non-owner-occupied financing
Investment property scenarios
$500,000 purchase · Investment property
24-month PPPBank Statement
Interest rate6.750%
Estimated APR7.057%
- Loan amount
- $375,000
- LTV
- 75%
- Term
- 30-year fixed
- Monthly P&I
- $2,432.00
$500,000 purchase · Investment property
36-month PPPAsset Depletion
Interest rate7.125%
Estimated APR7.329%
- Loan amount
- $400,000
- LTV
- 80%
- Term
- 30-year fixed
- Monthly P&I
- $2,695.00
$500,000 purchase · Investment property
36-month PPPAsset Depletion
Interest rate7.000%
Estimated APR7.183%
- Loan amount
- $375,000
- LTV
- 75%
- Term
- 30-year fixed
- Monthly P&I
- $2,495.00
Compare the Asset Depletion options
Increasing the down payment from 20% to 25% reduces the sample rate by 0.125%. Compare the additional $25,000 down payment with the difference in payment and overall financing strategy.
Scenario assumptions and disclosures
Rate quote as of September 11, 2026. Scenarios assume the FICO score, occupancy, LTV, term, costs, lender incentive and mortgage insurance used for the corresponding quote. Estimated APR includes applicable finance charges entered for each scenario. Principal and interest exclude property taxes, homeowners insurance, HOA dues, prepaid items and escrow deposits. Rates and terms are subject to change and borrower and property qualification.
Scenarios generally assume a 760 FICO score and an average lender underwriting fee of $1,100. Actual lender fees vary. The payment shown for the 40-year interest-only scenario is the initial interest-only payment; the payment increases when principal amortization begins. Prepayment-penalty terms are identified directly on applicable investment-property scenarios and are not used for primary- or second-home financing.
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