Today's mortgage rates
Rates change daily. Check your personalized rate with no impact to your credit.
Check your rateWhat determines your rate
Mortgage rates are not one-size-fits-all. Several factors specific to your situation determine the rate you are offered.
Credit score
Higher scores unlock lower rates. Most lenders offer the best pricing at 740+.
Loan-to-value (LTV)
A larger down payment or more equity means less risk for the lender and a better rate for you.
Loan type
Conventional, FHA, VA, and USDA loans each carry different rate structures.
Loan term
Shorter terms (15-year) typically have lower rates than longer terms (30-year).
Property type
Single-family homes receive the best rates. Multi-unit, condos, and investment properties carry small adjustments.
Occupancy
Primary residences get the lowest rates. Second homes and investment properties are priced higher.
Explore rate options by product
We offer a full range of mortgage products. Select a product to see what rate you qualify for today.
Purchase - 30-Year Fixed
Predictable payments for the life of the loan. The most popular choice for homebuyers.
Purchase - 15-Year Fixed
Lower rate, faster payoff, and significantly less interest paid over the life of the loan.
Refinance - Rate & Term
Lower your rate, shorten your term, or switch from an ARM to a fixed rate.
Refinance - Cash-Out
Replace your mortgage with a larger one and receive the difference as cash.
HELOC
Interest-only draw period. Revolving line of credit secured by your home equity.
Investment (DSCR)
Qualify based on rental income, not personal income. Designed for real estate investors.
Jumbo
For loan amounts above conforming limits. Competitive rates for well-qualified borrowers.
ARM (5/1, 7/1, 10/1)
Lower initial rate that adjusts after the fixed period. Ideal if you plan to sell or refinance before the adjustment.
How to get the best rate
You have more control over your rate than you might think. These five strategies can meaningfully lower the rate you are offered.
Improve your credit score
Pay down revolving balances, dispute errors on your report, and avoid opening new accounts before applying.
Increase your down payment
Putting more money down lowers your LTV, which can reduce your rate and eliminate mortgage insurance.
Compare loan types
A 15-year fixed will almost always have a lower rate than a 30-year. ARMs offer even lower intro rates if you plan a shorter hold.
Lock your rate at the right time
Once you have an accepted offer, locking promptly protects you from market increases during underwriting.
Consider buying points
Paying discount points upfront (1 point = 1% of loan amount) reduces your rate. This pays off if you keep the loan long enough.
Understanding rate locks
A rate lock guarantees your quoted rate for a set period while your loan is in underwriting. If rates rise during that window, your locked rate stays the same.
How it works: Once you have an accepted purchase contract or begin your refinance application, you can lock your rate. If rates drop significantly before closing, many lenders offer a float-down option that lets you capture the lower rate (terms vary).
Typical lock periods:
Get your personalized rate
Answer a few questions and see the rate you qualify for. It takes about three minutes and will not affect your credit score.
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Compare products, lock your rate, and close with confidence.
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