Whether you're buying your first home or refinancing, Katapult offers competitive mortgage rates with a fully digital application process.
Lock in a low rate for the life of your loan. Predictable monthly payments and long-term stability. Best for buyers planning to stay long-term.
Build equity faster and pay significantly less interest over the life of the loan. Higher monthly payment but major long-term savings.
Start with a lower rate that adjusts after an initial fixed period. Ideal for buyers who plan to sell or refinance within 5–7 years.
Special low-down-payment options for first-time homebuyers. Down payments as low as 3% with competitive rates.
Lower your current rate, reduce your monthly payment, or tap your home equity. Simple online application with fast decisions.
Use your home's equity to fund renovations, pay off debt, or cover major expenses. Fixed rate, fixed term, predictable payments.
| Loan Type | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.875% | 7.02% | 0.5 |
| 15-Year Fixed | 6.125% | 6.31% | 0.5 |
| 5/1 ARM | 6.250% | 7.18% | 0.0 |
| FHA 30-Year | 6.500% | 7.20% | 0.0 |
*Rates as of March 18, 2025. Subject to change. Rates depend on creditworthiness and loan details.