• 30-Yr Fixed7.40%• +0.00
  • 15-Yr Fixed6.71%▼ -0.02
  • 10-Yr Treasury5.09%▼ -1 bps
  • 2-Yr Treasury4.74%▼ -3 bps
  • 2s10s Curve35 bps
  • 30-Yr vs 10-Yr Spread231 bps
  • Fed Funds Target3.75–4.00%
  • Effective Fed Funds3.88%
  • SOFR3.89%
Website TermsLegal

Terms of Use

These Terms of Use govern access to this website and its content. By using the website, you agree to these terms. If you do not agree, do not use the website.

01No commitment to lend

Website content, calculators, examples, rate information, prequalification discussions, and educational materials are informational only. They are not an approval, loan estimate, rate lock, financial advice, or commitment to lend. Loan approval depends on a completed application, verification, credit, property review, underwriting, and applicable program requirements.

02Estimates and availability

Rates, payments, closing timelines, fees, loan programs, and eligibility may change without notice. Calculator results may exclude taxes, insurance, mortgage insurance, association dues, and other costs. Products are not available in every state or to every borrower.

03Permitted use

You may use this website for lawful personal purposes. You may not interfere with the website, attempt unauthorized access, introduce malicious code, scrape or reproduce content at scale, misrepresent your identity, or use the website to violate law or another person’s rights.

04Intellectual property

The website, brand, designs, text, graphics, software, and other content are owned by or licensed to Future Mortgage and are protected by applicable intellectual-property laws. No rights are granted except the limited right to use the website under these terms.

05Third-party services

The website may link to or rely on third-party services. Future Mortgage does not control those services and is not responsible for their content, security, availability, or separate terms and privacy practices.

06Disclaimers and liability

The website is provided on an “as available” basis to the extent permitted by law. Future Mortgage does not warrant uninterrupted or error-free operation. To the extent permitted by law, Future Mortgage is not liable for indirect, incidental, special, consequential, or punitive damages arising from website use.

07Changes and contact

We may update these terms by posting a revised version and date. Questions may be sent to legal@futuremortgage.com or mailed to Futuremortgage.com LLC, 1444 S Entertainment Ave #110, Boise, ID 83709.