Market rate indices update daily. For your personalized rate based on your credit, down payment, and loan program:
Your rate isn't just about the market — these four factors are within your control.
Higher scores unlock lower rates. Even moving from 680 to 740 can meaningfully cut your rate and monthly payment.
More money down means less risk for the lender — and a better rate for you. 20%+ also removes PMI entirely.
Conventional, FHA, VA, USDA, and specialty programs each price differently. We shop them all to find your best fit.
15-year loans carry lower rates than 30-year loans — higher payments, but dramatically less interest over time.
Single-family homes price best. Condos, duplexes, and 3–4 unit properties add cost — and investment properties carry the largest adjustments of all.
Purchases and rate & term refinances get baseline pricing. Pulling cash out adds a real adjustment that grows with how much equity you borrow.
Want the full breakdown of how lenders price your loan — and how to land in the cheapest tier? Read What's Really Inside Your Mortgage Rate? in our free reports.