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Current Mortgage Rates

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Current Mortgage Interest Rates

Get the most up-to-date mortgage rates for all loan types. Rates are subject to change and may vary based on credit score, loan amount, and other factors.

Loan Type Term Interest Rate APR Points Action
Conventional Fixed 30 Years 6.75% 6.892% 0.5 Apply Now
Conventional Fixed 15 Years 6.25% 6.378% 0.5 Apply Now
FHA Fixed 30 Years 6.50% 6.642% 0.0 Learn More
FHA Fixed 15 Years 6.00% 6.124% 0.0 Learn More
VA Fixed 30 Years 6.25% 6.378% 0.0 Learn More
VA Fixed 15 Years 5.75% 5.891% 0.0 Learn More
Jumbo Fixed 30 Years 7.00% 7.125% 0.5 Learn More
Jumbo Fixed 15 Years 6.50% 6.638% 0.5 Learn More
5/1 ARM 30 Years 6.25% 7.125% 0.0 Apply Now
7/1 ARM 30 Years 6.50% 7.250% 0.0 Apply Now

Disclaimer: Rates shown are for qualified borrowers and are subject to change without notice. Your actual rate may vary based on credit score, loan amount, down payment, and other factors. APR includes interest rate plus additional loan costs. Contact us for a personalized rate quote.

Last Updated: December 25, 2025 at 2:23 PM

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Understanding Mortgage Rates

Factors That Affect Your Rate

  • Credit score and credit history
  • Down payment amount
  • Loan amount and loan-to-value ratio
  • Employment history and income stability
  • Debt-to-income ratio
  • Property type and occupancy
  • Current market conditions

Tips for Getting the Best Rate

  • Improve your credit score before applying
  • Save for a larger down payment
  • Pay down existing debts
  • Shop around and compare offers
  • Consider paying points to lower your rate
  • Get pre-approved to lock in rates
  • Work with an experienced lender