Interest rate vs. APR
The rate drives interest; APR attempts to reflect certain additional borrowing costs.
HOME FINANCING
Mortgage & Refinance Rates
Compare mortgage offers using rate, APR, points, closing costs, monthly payment, and refinancing break-even.
ZERORATES PRINCIPLE
Compare the total cost, not just the headline rate.
APR, fees, term length, incentives, and timing can change which offer is actually cheaper.
WHAT TO LOOK AT
Mortgage & Refinance Rates: the numbers that matter
Points and credits
Paying points may lower the rate, while lender credits can reduce upfront costs at a higher rate.
Break-even period
For a refinance, divide eligible closing costs by monthly savings to estimate how long recovery takes.
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