Live Mortgage Rates

Today's Rates

Rates update daily and vary based on your loan details. Connect with an advisor for your personalized quote.

Rates update daily
Disclaimer: Rates shown are national market benchmarks from Mortgage News Daily and change daily. Your actual rate depends on credit score, loan amount, LTV, property type, and other qualifying factors. Contact an advisor for a personalized quote. Not a commitment to lend. NMLS #2829543.

Today's Live Mortgage Rates

National average benchmarks updated daily by Mortgage News Daily

Updates Daily

These are national average indices — not a loan offer. Chat with an advisor for your personalized rate.

Rate Education

How we shop to find the BEST mortgage rate

Loan Programs

Which loan is right for you?

Conventional
30-Year Fixed
The most common loan type. Stable payment for the life of the loan — ideal for buyers planning to stay long-term. Best rates for 740+ credit scores and 20% down.
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FHA
30-Year Fixed FHA
3.5% down with flexible credit qualifying. Built for first-time buyers or those with limited down payment. Credit scores as low as 580 may qualify.
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VA · No PMI
30-Year Fixed VA
Zero down for eligible veterans and active military. No PMI required. Often the most competitive rate available for those who qualify.
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ARM
7/1 Adjustable Rate
Fixed for 7 years, then adjusts annually. Smart for buyers who plan to move or refinance within the fixed period — often carries a lower starting rate.
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Rate Intelligence

What affects your rate?

Mortgage rates are personalized — here are the key factors that determine what you'll actually receive.

Credit Score

Higher scores unlock lower rates. A 740+ score usually qualifies for the best-tier pricing on most programs.

Loan-to-Value (LTV)

More equity or down payment equals lower risk for the lender — which means better terms for you.

Loan Type

Conventional, FHA, VA, and Investor programs each have their own rate structures. Your advisor will compare programs to find the best fit.

Property Type

Primary residences, second homes, and investment properties carry different pricing overlays.

Loan Term

15-year loans rate lower than 30-year — but come with higher monthly payments. Your advisor can run both scenarios.

DTI Ratio

Debt-to-income ratio affects qualification. Most conventional programs prefer DTI below 43–45%.

Get your personalized rate

The only rate that matters is yours. Chat with an advisor to get a real quote based on your actual scenario.

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