Today's Mortgage Rates

The following tables are updated in real-time Monday-Friday using data from lenders all over the country based on locked mortgage loans. Your interest rate may vary.

Rates shown are market averages; your rate will depend on credit score, loan type, down payment, and other factors.

Source: Optimal Blue Mortgage Market Indices (OBMMI). Rates reflect market averages and are not a guarantee or commitment to lend.

Why a Broker Gets You a Better Rate

A broker can compare multiple lenders, explain pricing, and help you lock a rate at the right time — all while working on your behalf instead of for one bank.

160+ Lender Partners

We shop your loan across our entire network to find the most competitive rate and terms for your specific situation — something a single bank simply can't do.

Your Interests First

I work for you, not a bank. My goal is to find the right loan at the best rate — not to push a product my employer needs to sell this quarter.

Rate Lock Strategy

Timing matters. I help you understand when to lock and when to float so you can secure the best rate available before your closing date.

What Determines Your Rate?

Market rates are a starting point. Your actual rate depends on several factors specific to you and your loan. Here's what lenders look at:

  • Credit score: Higher scores qualify for lower rates. Even a small score improvement can save thousands over the life of your loan.
  • Loan type: Conventional, FHA, VA, USDA, jumbo, and non-QM loans each carry different rate structures.
  • Down payment / LTV: A larger down payment typically means a lower rate and no mortgage insurance requirement.
  • Loan term: 15-year loans carry lower rates than 30-year loans, but come with higher monthly payments.
  • Property type: Primary residences, second homes, and investment properties are priced differently by lenders.
  • Points & fees: You can pay discount points upfront to buy down your rate. I'll show you the break-even math so you can decide what makes sense.

What I Provide

  • ›
    Clear rate disclosure
    No surprise costs — we review points, lender fees, and total cash-to-close.
  • ›
    Side-by-side lender comparisons
    See multiple loan options from different lenders so you can make a confident choice.
  • ›
    Rate lock guidance
    I monitor the market and advise you on the right time to lock your rate.
  • ›
    Buy-down analysis
    We calculate whether paying points makes financial sense for your timeline.
  • ›
    Fast pre-approval
    Get pre-approved quickly so you're ready to make a strong offer when you find the right home.

Rate information displayed above reflects market index data and is provided for informational purposes only. Rates are subject to change without notice and are not a commitment to lend. Your actual rate will be based on your credit profile, loan type, property, and other factors. Contact me for a personalized rate quote.

Ready to See Your Rate?

Market rates are just the starting point. Let me shop your loan across 160+ lenders and find the most competitive rate for your specific situation.

Apply Now Get a Quote