Today's Mortgage Rates
Compare Opendoor Home Loans mortgage rates against the market. Updated daily.
30-Year Fixed-Rate Conventional Mortgage
| Opendoor Home Loans | Market Average | |
|---|---|---|
| Interest Rate | 6.250%* | 6.541% |
| APR | 6.274% | 6.567% |
| Lender Fees | $0 | Varies |
| Origination Fees | $0 | Varies |
| Minimum Down Payment | 3% | Varies |
Updated July 22, 2026 · 30-year fixed · 780+ credit score · ≤80% LTV · CA
*This rate includes a permanent mortgage rate buydown paid by Opendoor Home Loans. Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 6.274% APR: On a $400,000 loan with 25% down, 0% origination fee, and a 780 FICO score, the estimated monthly principal and interest payment would be $2,462.87. Because Opendoor Home Loans LLC charges 0% origination, the APR shown reflects the interest rate plus prepaid interest at closing as the only finance charge. APR is calculated under Truth in Lending Act (TILA / Regulation Z) standards, assuming a typical 15-day mid-month close. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 07/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans).
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Rates, terms, and availability are subject to change without notice. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Alabama, Arizona, Colorado, District of Columbia, Iowa, Kansas, Louisiana, Nebraska, Oklahoma, Oregon, Texas, Wisconsin, and Wyoming only.
Opendoor Home Loans Mortgage Rates vs Market
Over the past 164 days, Opendoor Home Loans rates with no origination fee have averaged 0.583% lower than the market average.
Average mortgage rates for borrowers with 780+ credit and 20%+ down. Opendoor rates may vary by state, credit score, and loan amount. Not all borrowers will qualify. Your rate may be different. Optimal Blue data from FRED (Federal Reserve Economic Data).
Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 6.526% APR: On a $400,000 loan with 20% down, 0% origination fee, and a 780 FICO score, the estimated monthly principal and interest payment would be $2,528.27. Because Opendoor Home Loans LLC charges 0% origination, the APR shown reflects the interest rate plus prepaid interest at closing as the only finance charge. APR is calculated under Truth in Lending Act (TILA / Regulation Z) standards, assuming a typical 15-day mid-month close. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 07/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans).
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Rates, terms, and availability are subject to change without notice. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Alabama, Arizona, Colorado, District of Columbia, Iowa, Kansas, Louisiana, Nebraska, Oklahoma, Oregon, Texas, Wisconsin, and Wyoming only.
Opendoor Home Loans Interest Rates and Home Affordability
A lower rate means a lower monthly payment. Click the home price to see the difference at different price points.
| 3% down on a home | With Opendoor Home Loans | At Market Rate |
|---|---|---|
| Rate | 6.250%* | 6.541% |
| APR | 6.274% | 6.567% |
| Down Payment | $12,000 | $12,000 |
| Monthly P&I Payment | $2,389 | $2,463 |
| Monthly Savings | $74/mo | — |
*This rate includes a permanent mortgage rate buydown paid by Opendoor Home Loans. Available only to qualified buyers on eligible Opendoor properties. 30-year fixed-rate conventional loan. For illustrative purposes only, an example loan at the above Opendoor rate and 6.274% APR: On a $388,000 loan with 3% down, 0% origination fee, and a 720 FICO score, the estimated monthly principal and interest payment would be $2,388.98. Because Opendoor Home Loans LLC charges 0% origination, the APR shown reflects the interest rate plus prepaid interest at closing as the only finance charge. APR is calculated under Truth in Lending Act (TILA / Regulation Z) standards, assuming a typical 15-day mid-month close. Taxes and insurance not included; actual payment obligation will be greater. Rate as of 07/23/2026. The National Average is from Optimal Blue via FRED and is for comparison only. Based on Optimal Blue loan-level lock data (February 2026, conventional conforming 30-year fixed-rate purchase loans).
All mortgage services from Opendoor are provided by Opendoor Home Loans LLC; Company NMLS ID #2810193 (www.nmlsconsumeraccess.org); 1295 West Washington Street, Suite 115, Tempe, AZ 85288; (480) 618-6760. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. Rates, terms, and availability are subject to change without notice. Opendoor Home Loans LLC is currently licensed to originate mortgage loans in Alabama, Arizona, Colorado, District of Columbia, Iowa, Kansas, Louisiana, Nebraska, Oklahoma, Oregon, Texas, Wisconsin, and Wyoming only.
Opendoor Home Loans Mortgage Rates FAQ
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Last updated: 2026-07-23
