Updated Daily
Today's Mortgage Rates
National market benchmarks from Mortgage News Daily, refreshed daily. Your actual rate depends on your credit, loan size, and financial profile.
Rate Disclaimer
The rates shown above are national average benchmarks sourced from Mortgage News Daily. These rates update automatically every business day. These are not a commitment to lend and do not represent a loan offer. Your actual rate will depend on your credit score, loan amount, loan-to-value ratio, property type, debt-to-income ratio, and other qualifying factors. Rates are subject to change without notice.Rate Intelligence
Six things that decide your rate.
Mortgage rates are personalized. These are the levers that actually move the number you're quoted.
01
Credit Score
Higher scores unlock lower rates. A 740+ score usually qualifies for the best-tier pricing on most programs.
02
Loan-to-Value (LTV)
More equity or down payment equals lower risk for the lender — which means better terms for you.
03
Loan Type
Conventional, FHA, VA, and investor programs each have their own rate structures. We compare programs to find the best fit.
04
Property Type
Primary residences, second homes, and investment properties carry different pricing overlays.
05
Loan Term
15-year loans rate lower than 30-year — but come with higher monthly payments. We can run both scenarios side by side.
06
DTI Ratio
Debt-to-income ratio affects qualification. Most conventional programs prefer DTI below 43–45%.
The only rate that matters is yours.
Benchmarks are a starting point. Let's run your actual scenario and get you a real number — no pressure, no obligation.