Low Interest Rates Mortgages Home Loans Rates Today Mortgage and Mortgage refinance loans; terms. rate. APR* Points. 1-Month Payment* Learn more about Mortgage and Mortgage Refinance Loans. The annual percentage rates (aprs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable Rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $180,000.00, and a.