Embrace a new way home.
Experience a smarter path to homeownership
with Popular Bank and Rate.
The bigger your dream, the stronger our support.
Popular Bank has long been committed to helping homebuyers find their first or next home with clarity and confidence. Because while no two journeys follow the same path, the dream remains the same.
Now, with a digital-first mortgage experience from Rate1 your path home is clear and flexible at every step.
Whether you’re searching for the right loan, exploring simple refinancing, or seeking personalized guidance, Rate delivers the essential tools you need to reach your next milestone.
Mortgage calculator: Your dream home by the numbers.
Take the first step and see your home’s cost and potential, one payment at a time.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate. Guaranteed Rate its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Discover the tools, savings, and perks to guide you home.
Save with waived lender fees2
Save $1,640 when you buy or refinance with Rate.
Get pre-approved in minutes
Submit your financial documents securely for fast pre-approval
Lock in low rates
Move closer to ownership with competitive, up-to-date mortgage rates.3
Partner with experts
Work with our dedicated mortgage and real estate team and earn a $650–$6,000 credit with Rate Real Estate Program.4
FAQs
Quick answers on conventional, jumbo, and refinancing loans.
A conventional mortgage loan is a flexible option for new and seasoned homebuyers looking to buy, refinance, or invest. It offers fixed or adjustable rates, a
wide range of loan terms, and various down payment choices to help you pay off your mortgage faster.
A conventional mortgage loan is offered by private lenders and isn’t insured by the federal government. Government-backed loans like FHA, V A, or U SDA
support buyers with lower credit scores and smaller down payments. Conventional loans usually require stronger credit and larger down payments but offer
more flexible terms and fewer property restrictions.
Loan limits for conventional mortgage loans are set by Federal Housing Finance Agency (FHFA). As of January 1, 2026, the standard limit is $832,750 in
most of the U .S., and up to $1,249,125 for high-cost areas.
Mortgage rates for a conventional mortgage loan are influenced by both market and personal factors. Lenders use the federal funds rate (set by the Federal
Reserve) as a benchmark but also consider your down payment, credit score, debt-to-income ratio, and the type of property you’re buying.
A jumbo mortgage loan is a specialized option for experienced homebuyers or investors looking to purchase or refinance a high-value property. It offers
fixed or adjustable rates, larger loan amounts compared to conventional loans, and flexible term options.
The benefits of a jumbo mortgage loan include access to financing above conventional loan limits, making it an ideal option for high-value properties.
Additional advantages include flexible down payment options, competitive rates, and the convenience of single-loan financing.
Jumbo mortgage loans typically exceed $832,750, the conventional loan limit set by the Federal Housing Finance Agency (FHFA). The maximum loan
amount varies by lender and depends on your qualifications and the type of property being purchased.
Jumbo mortgage loan rates are often higher than conventional mortgage loan rates because they involve larger loan amounts and more risk for lenders.
However, stricter financial requirements mean well-qualified applicants may receive competitive rates.
A mortgage refinance allows you to replace your existing mortgage with a new mortgage that offers more favorable terms. It can help lower your interest
rate, reduce monthly payments, or shorten the length of your loan.
You should refinance your mortgage to improve your loan terms, which can help you potentially save money by paying off your mortgage faster. For
example, refinancing your mortgage loan can help you secure a lower interest rate and reduce your monthly payments.
The best time to refinance is when mortgage interest rates are lower than when you first closed on your mortgage loan. You might also consider other
factors like refinance closing costs, your current credit score, and the total savings you stand to gain.
Refinance rates can be equal to or slightly higher than mortgage rates, depending on the timing and loan option. However, even with a higher refinance
rate, you can still save money by shortening your loan term or tapping into extra cash for more pressing expenses.