ADVERTISING DISCLOSURE
Updated 08/03/26

Advertisement: "Rates as low as 4.75% 5.567 APR* FHA 15-year fixed mortgage refinance" or "Rates as low as 5.567% APR* FHA 15-year fixed mortgage refinance"

The advertised offer is an actual advertised offer posted by a lender in the FreeRateUpdate.com network for an FHA 15-year fixed mortgage refinance. This offer is for only the most creditworthy consumers. Not all lenders in our network offer this rate.

• This loan has a fully amortizing fixed 15 year term.
• There is no prepayment penalty.
• Assumptions:
• Advertised rate assumes a FICO score of 750.
• Loan secured by a single-family, owner-occupied home located in Pennsylvania.
• Payment Example:
• Loan Amount: $550,000.00, based on a 59% LTV (Home Value $925,000.00).
• Fixed Interest Rate: 4.75%
• Annual Percentage Rate: 5.567%
• Monthly Payment: $4,346.83/month for 180 monthly payments of principal and interest, plus taxes and insurance. Actual monthly payment will be higher.
• Points: 1.92 ($10,560.00); Upfront Costs: $21,880.00.
• Fee Detail: Underwriting fee: $0.00; Origination fee: $1,695.00; Processing fee: $0.00; Discount Points: $10,560.00; Government Fees: $9,625.00.

See Important Additional Disclosures below.

Important Additional Disclosures

• FreeRateUpdate.com is not a lender in any transaction and does not make loans, issue loan commitments or lock rates. All credit decisions, including loan approval, prequalification, and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. 
• Not all consumers will qualify for the advertised rates and terms, and the advertised rates may only be available to the most creditworthy consumers. For an exact quote, contact the lender.
• The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any participating lender.
• You may not be matched with the lender making a particular conditional loan offer, and FreeRateUpdate.com does not guarantee that any lender will make you a conditional loan offer.
• FreeRateUpdate.com matches you with one or more lenders on its network of non-affiliated participating lenders. See the Privacy Policy for more details.
• If you are offered a loan by a participating lender, the actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the lender.
• Payment amounts shown do not include taxes or insurance. The actual payment amount will be greater.
• Not available in all states.
• Rates are subject to change without notice.
• FreeRateUpdate.com makes every effort to ensure that the information provided on our website is accurate and up to date. However, FreeRateUpdate.com obtains the information from our network of participating lenders and cannot guarantee the completeness or accuracy of the information provided. As such, FreeRateUpdate.com makes no representations, recommendations, or endorsements, expressly or implicitly, of any kind regarding the presentation of the information provided or about the participating lenders. 
• FreeRateUpdate.com may also include hypertext links to participating lenders’ and others’ websites over which FreeRateUpdate.com has no control. Therefore, FreeRateUpdate.com makes no representations, recommendations, or endorsements, explicitly or implicitly, of any kind regarding such content, including any potential loan offers or options presented on those websites or the content on any website linked to such websites (including as to any changes or modifications thereto). 
• If a lender in our network contacts you and solicits you for a loan application, that lender must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure (TRID) Rule, and/or other federal and state laws. These disclosures include details and estimates of your cost of credit and closing costs, notice that your mortgage loan servicing may be transferred, and notice of your right to a copy of any appraisal performed on your home.  The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The Consumer Financial Protection Bureau (CFPB) administers compliance with these laws and may be contacted at: Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, D.C. 20552. The foregoing requirements are mandatory for all lenders, however, FreeRateUpdate.com makes no representations as to the adequacy or compliance on behalf of any lender as we do not participate in the loan application process or make any credit decisions. 

FreeRateUpdate.com is not a government agency and is not affiliated with, endorsed by, or sponsored by any government agency, including the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), or the U.S. Department of Veterans Affairs (VA).