Rate Education
The secret about
The secret about
mortgage rates.
The most common loan type. Stable payment for the life of the loan — ideal for buyers planning to stay long-term. Competitive rates for buyers with strong credit and a solid down payment.
Get My Rate →Low down payment options with flexible credit qualifying. Built for first-time buyers or those with limited savings. Credit scores as low as 580 may qualify.
Get My Rate →Flexible financing for eligible veterans and active military. No PMI required. Competitive rates for those who qualify.
Get My Rate →Fixed for 7 years, then adjusts annually. Smart for buyers who plan to move or refinance within the fixed period — often carries a lower starting rate.
Get My Rate →All loan products are subject to credit approval, income verification, property appraisal and eligibility requirements. VA loans require eligible military service. FHA loans are subject to FHA program guidelines. USDA loans require property eligibility in qualifying rural areas. Specialty products including bank statement, DSCR, jumbo and bridge loans have specific qualification criteria. Not all applicants will qualify.
Mortgage rates are personalized. These are the levers that actually move the number you're quoted.
Higher scores unlock lower rates. A 740+ score usually qualifies for the best-tier pricing on most programs.
More equity or down payment equals lower risk for the lender — which means better terms for you.
Conventional, FHA, VA and investor programs each have their own rate structures. We compare programs to find the best fit.
Primary residences, second homes and investment properties carry different pricing overlays.
15-year loans rate lower than 30-year — but come with higher monthly payments. We can run both scenarios side by side.
Debt-to-income ratio affects qualification. Most conventional programs prefer DTI below 43–45%.
Benchmarks are a starting point. Let's run your actual scenario and get you a real number.