Mortgage Jake's Live Rates
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30 yr fixed conventional
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APR
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15 yr fixed conventional
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VA 30 yr fixed
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FHA 30 yr fixed
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USDA 30 yr fixed
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Investor conventional
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This is not an offer of credit or commitment to lend. Program restrictions apply. This is not professional nor investing advice as this is for informational purposes only. Rates change daily and we are not a government agency. Hawaii Mortgage Experts, LLC NMLS ID 1474949. Jacob Ordenstein NMLS ID 351586.
Market Rate Forecast
30-yr conventional · macro model · today
What this shows: Where market rates are trending based on live economic data — not your quoted rate. Use as a directional signal for timing decisions.
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Predicted 30-yr conventional
Confidence range—
10-yr Treasury4.30% pushing up
Core CPI2.8% neutral
MBS spread180 bps neutral
GDP growth2.1% stable
Unemployment4.2% neutral
Model confidence
78% — High
Forecast uses 10-yr Treasury yield + MBS spread + macro adjustments. Not a rate quote, commitment to lend, or financial advice. Actual rates may differ.
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Tax & insurance
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Loan amount
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Total interest paid
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Net savings over stay period
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Recommendation
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Lifetime interest saved
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Max home price (28% DTI)
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DTI usage—
0%28% ideal43% max
Max monthly payment
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Max loan amount
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DTI status
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Comfortable price
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Rate drop alert
Notify me when 30-yr rates drop 0.125% or more
Daily newsletter
Receive today's rates in your inbox each morning
Fed meeting alert
Rate impact analysis after each FOMC decision
Refi opportunity alert
Notify me when today's rates are meaningfully below my current rate
Cell phone is optional. Used only for SMS rate alerts when you opt in. We do not share your information. Standard messaging rates may apply.
Monthly cash flow
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Cap rate
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Cash-on-cash return
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GRM
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DSCR
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Section 8 eligible?
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✓ RECEIVED — JAKE WILL BE IN TOUCH SHORTLY
DISCLOSURES & LOAN ASSUMPTIONS▾
30 Yr. Fixed Conventional loan quote: 30-year fixed-rate. $700,000 loan amount, 780 FICO, 5% down payment. Monthly P&I payment: —; taxes, insurance, MI are extra.
15 Yr. Fixed Conventional loan quote: 15-year fixed-rate. $640,000 loan amount, 780 FICO, 20% down payment. Monthly P&I payment: —; taxes, insurance are extra.
VA and VA IRRRL (Interest Rate Reduction Refinance Loan) quote: 30-year fixed-rate. $700,000 loan amount, 700 FICO, 100% financing. Monthly P&I payment: —; taxes & insurance are extra.
FHA loan quote: 30-year fixed-rate. $700,000 base loan amount, $712,250 total loan amount (incl. FHA funding fee), 700 FICO, 3.5% down payment. Monthly P&I payment: —; taxes, insurance, MI are extra.
USDA loan quote: 30-year fixed-rate. $700,000 base loan amount, 720 FICO, 0% down payment. Monthly P&I payment: —; taxes, insurance, MI are extra.
Investor Conventional loan quote: 30-year fixed-rate. $700,000 loan amount, 780 FICO, 25% down payment. Monthly P&I payment: —; taxes & insurance are extra.
This is not an offer of credit or commitment to lend. Program restrictions apply. This is not professional nor investing advice as this is for informational purposes only. Rates change daily and we are not a government agency. Hawaii Mortgage Experts, LLC NMLS ID 1474949. Jacob Ordenstein NMLS ID 351586.