Loading...
Loading...
Compare today's rates across Conventional, FHA, VA, Jumbo, and ARM programs. Updated daily from Mortgage News Daily. Your actual rate depends on your credit score, down payment, and loan details.
Rates updated daily from Mortgage News Daily. Your actual rate depends on your credit profile, down payment, and loan details.
Source: Mortgage News Daily. Rates are national averages and may vary. Contact us for your personalized rate.
Rates vary by loan type. This table shows typical rate positioning relative to the 30-year conventional baseline — not specific rates.
| Program | Typical Rate vs Market | Down Payment | Best For |
|---|---|---|---|
| Conventional (30yr) | Baseline | 3-20% | Strong credit (680+), primary residence |
| Conventional (15yr) | 0.50-0.75% below 30yr | 3-20% | Faster payoff, lower total interest |
| FHA | Similar to conventional | 3.5% | Credit 580-679, limited savings |
| VA | 0.25-0.50% below conventional |
Understanding these five factors can help you secure the best rate possible.
Higher credit scores typically qualify for lower interest rates. A score of 740+ generally earns the best conventional rates.
A larger down payment reduces lender risk and can lower your rate. Putting 20% down also eliminates PMI on conventional loans.
FHA, VA, and conventional loans have different rate structures. Shorter terms (15-year) usually offer lower rates than 30-year loans.
Answers to common questions about mortgage rates and how they work.
Calculators, comparisons, and guides to help you make the right decision.
Set your target rate and we'll alert you when it's time to lock in.
Get notified when rates drop to your target
The rates above are market averages. Your actual rate depends on your unique financial profile. Apply online for a personalized quote.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Rate data sourced from Mortgage News Daily. Your actual rate may differ based on credit score, down payment, and loan details. Contact us for a personalized rate quote.
Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026
| 0% |
| Veterans & active military |
| Jumbo | 0.25-0.50% above conventional | 10-20% | Loans above $806,500 |
| Non-QM / Bank Statement | 0.50-1.50% above conventional | 10-20% | Self-employed, investors |
| DSCR | 1.00-2.00% above conventional | 20-25% | Investment properties |
| ARM (5/1) | 0.50-1.00% below 30yr fixed | 5-20% | Short-term ownership (< 7 years) |
Rate comparisons are general guidance based on typical market conditions and may not reflect current pricing. Contact us for a quote specific to your scenario.
Mortgage rates are influenced by the 10-Year Treasury yield, MBS pricing, inflation, and Federal Reserve policy. Your individual rate also depends on your credit score, down payment, and loan type. Rates can change daily.
Primary residences get the best rates. Investment properties and multi-unit homes typically have higher rates due to increased risk.
Submit your info and get a rate quote tailored to your profile.