Rates

Rates move daily. Here's how to read them.

Advertised rates online are a starting point, not a promise — your actual rate depends on credit score, loan program, down payment, and the property itself. Here's the current picture and how to get a number that's actually yours.

Update note: Replace the table below with a live rate feed (many lenders embed one from their pricing engine or a service like Mortgage News Daily / Optimal Blue) or update it manually each morning. Rates shown here are illustrative placeholders, not live figures — never publish an unmaintained rate table.
Program Rate APR Points
30-Yr Fixed Conventional 6.75% 6.91% 0.5
15-Yr Fixed Conventional 5.99% 6.18% 0.5
30-Yr Fixed FHA 6.35% 7.28% 0.5
30-Yr Fixed VA 6.25% 6.44% 0.5
Jumbo (30-Yr Fixed) 6.90% 7.02% 0.5

Sample rates shown for illustration as of the site's last manual update. Actual rate, APR, and points depend on your credit profile, loan amount, property type, and current market pricing. This is not an offer or commitment to lend.

What Moves Your Rate

Four things that matter more than the headline number.

Credit score

Even a 20–40 point swing in your score can move your rate meaningfully. Worth checking before you shop for a home, not after.

Down payment

More down generally means a better rate and, past 20%, no PMI. But the "right" down payment depends on your full financial picture, not just the rate.

Loan program

Conventional, FHA, VA, and jumbo loans price differently. The lowest advertised rate isn't always the cheapest loan once you factor in mortgage insurance.

Rate lock timing

Rates move daily. Once you're under contract, we talk about when to lock and why — not just what today's number happens to be.

Get Your Actual Rate

Online rate tables are a guess. A conversation isn't.

Fifteen minutes gets you a real, personalized rate quote based on your credit and the property you have in mind — not a national average.

Get My Real Rate