Posted Rate vs Discounted Rate: What’s the Difference?

The posted rate is a lender’s sticker price; the discounted rate sets your payment. On a $500,000 mortgage, the gap was about $335 a month in fall 2026.

The posted rate is a lender’s sticker price; the discounted rate sets your payment. On a $500,000 mortgage, the gap was about $335 a month in fall 2026.