Mortgage rates depend on more than the market, get a quote for your scenario
The rate you’re offered is shaped by your credit, your down payment, the property and the loan itself. A headline number can’t account for any of that.
Get My Personalized Rate Quote- Angel Hernandez, NMLS #1099542
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- Refinance and cash-out
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- Adjustable-Rate Mortgages
- 30-Year Fixed
- 15-Year Fixed
Where the market sits right now
National averages, published daily by Mortgage News Daily. They show which way the market is moving, which is genuinely useful.
Why an average isn’t your rate
A survey average assumes a particular borrower and property. Yours are different, so your pricing will be too. A rate is only meaningful alongside its APR, its points and the exact scenario it assumes.
A quote built on your actual scenario takes a few minutes and is worth considerably more than a headline number.
What actually drives your rate
Loan purpose
Purchase and refinance price differently.
Credit profile
One of the largest single inputs to pricing.
Down payment or equity
How much of the property you're financing.
Occupancy
Primary home, second home and investment all price differently.
Property type
A condo and a single-family home are not priced the same.
Loan amount
Both very small and very large loans can price differently.
Term
A 15-year and a 30-year loan carry different rates.
Points and credits
You can pay to lower a rate, or take a higher rate for credit.
Market conditions
The backdrop everything else moves against.
Step 1 of 4
Get your personalized rate quote
Rates depend on more than the market. A few details let us quote your actual scenario.
Fixed or adjustable?
Fixed rate
The rate and the principal-and-interest payment stay the same for the whole term. You trade some initial rate for certainty.
Adjustable rate
A fixed rate for an initial period, then periodic adjustment within set caps. It can suit a shorter expected hold, but the payment can rise, and planning to refinance later is not a guarantee.
Common questions
Rate and program information on this site is for general education. It is not an offer to lend, a commitment to lend, or a rate lock. Actual rates, APRs, points and terms depend on your complete application, credit review, the property, and market conditions at the time of lock, and are subject to change without notice. All loans are subject to credit approval and program guidelines.
Get a number that means something
A quote built on your scenario, with the assumptions shown.
Get My Personalized Rate Quote