Rates

View current mortgage rates and compare available loan options for home purchases and refinances. Rates can vary based on credit, loan type, property, occupancy, down payment, and other factors, so the pricing shown here should be used as a starting point.

What Affects Current Mortgage Rates?

Mortgage rates can vary based on several factors, including credit profile, loan type, down payment, property type, occupancy, loan amount, and overall market conditions. The rate available to one borrower may be different from the rate available to another, even on the same day. Your individual financing profile also matters.

The rates shown above are intended to give you a starting point. For a more personalized estimate, you can request a quote based on your specific financing scenario.

Compare Mortgage Loan Options

Mortgage rates are only one part of choosing a loan. Different programs can have different down payment requirements, mortgage insurance, closing costs, qualification standards, and long-term costs.

Why Mortgage Rates Change

Mortgage rates can move from day to day as financial markets respond to inflation data, employment reports, Federal Reserve policy expectations, and changes in the bond market. Because pricing can change quickly, the rate you see today may be different by the time you are ready to lock your loan.

If you are actively shopping for a home or considering a refinance, checking current mortgage rates regularly can help you understand how market changes may affect your payment and financing options.

What to Consider Before Choosing a Rate

The lowest advertised rate is not always the lowest-cost option. Discount points, lender fees, closing costs, and how long you expect to keep the loan can all affect which option makes the most sense. Comparing the full loan structure—not just the interest rate—can give you a clearer picture of the overall cost.