This fixed-rate mortgage calculator also makes some assumptions about typical down payment amounts, settlement costs, lender’s fees, mortgage insurance, and other costs. For a more accurate rate quote, talk to a mortgage loan officer.Who Has The Lowest Mortgage Rates Best Mortgage Rates & Lenders of 2019 | U.S. News – The lender offers all major mortgage products, including conventional, FHA, VA, USDA, jumbo and adjustable-rate mortgages. Best features: regions mortgage has five adjustable-rate mortgage options. You can choose from a 1/1, 3/1, 5/1, 7/1 and 10/1 adjustable-rate mortgages.