Home Loans
Your dream home.
Our best rates.
Get pre-approved in as little as 24 hours. Fixed rates from 6.25% APR. No origination fee. Dedicated loan advisors available 7 days a week.
21
Avg. Days to Close
vs. industry avg 47 days
98%
Customer Satisfaction
5-star reviews
$4.2B
Loans Funded (2025)
across 50 states
$0
No Origination Fee
save $2,000–$6,000
Today's mortgage rates
Rates updated May 16, 2026. Your actual rate depends on credit score, down payment, and loan amount.
30-Year Fixed
6.25%
6.41% APR
Stable payments for the life of the loan. Best for buyers who plan to stay long-term.
Apply for this rate15-Year Fixed
5.75%
5.90% APR
Pay off faster and save tens of thousands in interest. Higher monthly payment.
Apply for this rate5/1 ARM
5.50%
6.20% APR
Lower initial rate for 5 years, then adjusts annually. Good if you plan to move or refinance.
Apply for this rateFHA Loan
6.10%
6.75% APR
Government-backed, low down payment (3.5%). Great for first-time buyers with lower credit scores.
Apply for this rateHow to get a MercuryFinance home loan
Our digital-first process makes buying a home simpler than ever.
Apply online in 15 minutes
Fill out our secure application with your income, employment, and property information. No paper forms needed.
Get pre-approved in 24 hours
Our underwriting team reviews your application and issues a pre-approval letter you can use with any realtor.
Lock your rate
Once you find a home, lock your interest rate for up to 60 days while you finalize the purchase.
Close and move in
Our average closing time is 21 days. We handle the paperwork. You handle the moving boxes.
Ready to buy or refinance?
Talk to a loan advisor today or start your application online.