Interest rates are also at the mercy of borrowing from the bank and you can property approval established to the secondary markets direction Conforming Mortgage Costs Conforming mortgages: based on a refinance of a single-family, primary residence, 80% loan- to-value (LTV), a credit score of 740, 15 days of prepaid interest and an interest rate with a 60-day lock period. For each products’ corresponding closing costs, points, and payment examples