Mortgage Rates Today
Mortgage Rates Daily
Mortgage News Daily (MND) publishes rate data using a proprietary survey method of a pool of mortgage lenders every day. The rates get updated everyday, making MND one of the most up-to-date publisher of baseline rates. Click on each loan type to see the trend.
Mortgage Rates Today (by Loan Type)
The Optimal Blue Mortgage Market Indices™ utilize observed, real-time mortgage rate lock data from approximately 35% of the market on a daily basis. The data is presented for Conventional (conforming), FHA, Jumbo, and Veteran Affairs (VA) loans. The 30-year fixed rates are shown in % and their range over the past 30 days are displayed under.
Mortgage Rate Trend in 1 to 12 Months
Trend in data never lies! The trend in the 30-year fixed rates could help with forecasting its trajectory in upcoming months. These charts present the rates over various time interval between 1 to 12 months. Toggle the time-intervals to see the trend in recent months. The data is updated daily from the Optimal Blue Mortgage Market Indices™ utilizing data from approximately 35% of the mortgage rate transactions.
Mortgage Rates Based on Credit Score and Down-Payment
Your credit score and your loan down payment are two important factors that directly impact the rate you will qualify for. The bar-chart shows the daily rates based on FICO credit score and your Loan-To-Value (LTV) ratio. a 10% down payment results in an LTV of 90%. As shown in the chart, 80% LTV is the threshold for a step-change in rates. Source: Optimal Blue
US 30-Year Fixed Rate Mortgage
Freddie Mac, the second largest buyer of home mortgages in the US (Fannie Mae being the largest) publishes average 30-year fixed-rate based on actual applications from lenders across the country that are submitted to Freddie Mac when a borrower applies for a mortgage. Toggle the time-intervals to see the trend in recent months.
US 30-Year Fixed Rate Mortgage by MBA
Mortgage Bankers Association (MBA) of America is an organization that monitors mortgage activities on a weekly basis. The rate displayed is the average 30-year fixed mortgages measured during the reported week.
How Loan Rates Work?!
It is crucial to know that your specific rate could be affected by a number of factors, such as:
- Credit Score
- Gross Income and the Debt-to-Income (DTI) Ratio
- Loan-To-Value (LTV) Ratio
- Loan Amount (above conforming limit?)
- Type of Residence (Single vs. Multi-Family)
- and more...
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