Instant Mortgage Rate Quote

Enter your scenario below to find out today’s rates. For loan amounts greater than $726,200, additional qualifying criteria may apply for lowest rate options.

Truth in Lending Act Disclosures.  The loan programs and interest rates advertised on this website include additional disclosures required under the Truth in Lending Act (TILA).   

Monthly Payments.  The monthly payments advertised on this website include Principal and Interest only but do not include taxes and insurance. Therefore, your actual monthly payments will be higher that the Principal and Interest Payments shown in the TILA disclosures above. 

Annual Percentage Rate (APR).  The APR disclosed is based on the interest rate, points and fees only and does not take into account other loan-specific finance charges you may be required to pay to obtain a mortgage.  

Interest Rates and Loan Programs.  All interest rates and loan programs are actually available when published, however your final qualifying rate and program may change based on specific information you provide to us in the application process.  For example, the interest rate, points and APR may be higher or lower based on a number of factors, such as the, 

  • state of property location 
  • loan amount  
  • loan program 
  • occupancy  
  • property/loan to value 
  • borrower’s credit score and other qualification requirements 

Ability to Repay.  Poli Mortgage’s underwriting policy is to comply with the Ability to Repay Rule (ATR).  This means that when you apply for a loan, Poli Mortgage will make a reasonable and good faith determination to make sure that you are able to pay back the loan. Under the rule, we will generally find out, consider, and document the borrower’s income, assets, employment, credit history and monthly expenses. If you apply for an adjustable-rate mortgage (ARM), Poli Mortgage will not just use the introductory rate to determine whether a borrower can repay a loan. For example, if a mortgage has a low interest rate that goes up in later years, Poli Mortgage will make a reasonable effort to figure out if the borrower can pay the mortgage at the higher interest rate. 

FHA Loans.  If you are applying for an FHA loan, you will be required to pay an up-front mortgage insurance premium (MIP), which may be financed, or paid at closing. Additional monthly MIP payments will apply to your monthly loan payments. Other conditions may be required by FHA.   

VA Loans.  Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). Eligible VA Loan Applicants will be required to provide a Certificate of Eligibility (COE) from the VA to proceed with VA loan transactions.  Other restrictions and limitations may apply. 

Loans Subject to Credit, Property and Underwriting Approval.  All mortgage loan applications are subject to credit and property approval, along with other underwriting rules and requirements.  Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply. 

Tools and calculators.  All tools and calculators provided on our website are included for your convenience to help you to have a general idea of your estimated mortgage costs.   

Next Step

Get Pre-Approved

Getting pre-approved is the first step in buying a home. By getting pre-approved, you can:

  • Focus on your home search, knowing your financing is in Poli’s expert hands.
  • Find out exactly what home price you qualify for and shop with comfort
  • Improve your chances for homebuying success, since sellers heavily favor offers with pre-approvals from reputable lenders.

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©2024 Poli Mortgage Group. All Rights Reserved.

Poli Mortgage Group is a Division of radius financial group inc. Corporate NMLS #1846. radius financial group inc. is an Equal Housing Lender. Poli Mortgage Group is licensed in CT, FL, ME, MA, NH. For more licensing information please visit: or by visiting Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs rates, terms and conditions are subject to change and are subject to borrower qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

* This radius Pre-Approval/Credit Commitment Promise Contract ("Promise") is made and entered into, as of the date of the last signature below, by and between radius financial group inc. ("radius" or "Lender"), and the below-named Buyer and Seller. In consideration of Seller's reliance on this Promise in entering into a real estate purchase transaction with Buyer, the Parties agree as follows:

PROMISE TO SELLER. In the event that a Seller is induced to accept an offer from, and enter into a purchase and sale agreement with, a radius borrower on account of this Promise in connection either with (a) a radius Pre-Approval or (b) a radius Credit Commitment and the Buyer is unable to close on such Eligible Transaction due to a mistake made by radius (with accurate and up-to-date information) on such Pre-Approval/Credit Commitment (a "Bad Pre-Approval"), then radius shall pay Seller ten thousand dollars ($10,000), subject to the terms and conditions herein as Seller's sole remedy.

PROMISE TO BUYER. In the event that radius issues a Bad Pre-Approval to Buyer on an Eligible Transaction, radius will reimburse Buyer reliance expenses up to one thousand dollars ($1,000) for a home inspection, appraisal, or legal expenses actually paid out-of-pocket by Buyer, subject to the terms and conditions herein. This payment shall be Buyer's sole remedy.

ELIGIBLE TRANSACTION. For purposes of this Promise, an "Eligible Transaction" is a purchase money mortgage transaction for a primary residence (made on or after April 1, 2018) (not made to a radius employee or immediate family member), provided that the loan is a Conventional, USDA, VA, or FHA loan product for either (i) an existing home resale or (ii) a newly constructed home that is to be delivered and closed within ninety (90) days of the P&S.

CONDITIONS. The applicable radius Pre-Approval must not have expired prior to the date of the P&S. Offers/P&Ss cancelled due to home inspection issues or title defects are not covered under this Promise, and this Promise is void if a Bad Pre­Approval is the result of: (i) a change in Buyer's financial position, (ii) property specific requirements or expenses (e.g. homeowner's association dues/fees, flood insurance, or property taxes), or (iii) loan product availability or underwriting requirements, or third-party actions outside of radius' control.

FUNDS DISBURSEMENT. Any funds due and payable under this Promise will be paid if requested by Buyer or Seller in writing within 90 days of the date of an applicable Adverse Action Notice and accompanied by a fully-executed copy of this Promise. Any payments made under this Promise will be reported to the Internal Revenue Service by radius on a Form 1099-MISC or as otherwise required by then-applicable law. Please consult your tax advisor for any tax implications.