(561) 726-0601Apply Now

Today's Mortgage Rates

Live national average rates updated daily from Mortgage News Daily. See where rates stand today and find out what rate you could qualify for.

Current Interest Rates
View More Refinance Rates

Rates shown are national average interest rates provided by Mortgage News Daily and are updated each business day. These are not Annual Percentage Rates (APR). The APR — which reflects the true cost of borrowing including fees and other charges — will be higher than the interest rate shown and will vary by lender and loan terms. Rates displayed by Mortgage News Daily typically include 0.5 to 2 discount points in origination costs and are shown for well-qualified borrowers. Your actual rate and APR will depend on your individual credit profile, loan amount, property type, and other factors. The rates I offer through my wholesale lender network may differ — contact me for a personalized quote with your actual APR disclosed.

Rates Updated Daily

The rates displayed here are national average mortgage rates sourced from Mortgage News Daily, one of the most trusted rate-tracking services in the industry. They are updated every business day to reflect current market conditions.

Keep in mind that these are averages. The rate you actually qualify for depends on several personal factors, including:

  • Your credit score and credit history
  • Down payment amount and loan-to-value ratio
  • Loan type (FHA, Conventional, VA, Jumbo)
  • Property type and occupancy (primary, second home, investment)
  • Loan term (30-year, 15-year, ARM)
  • Current debt-to-income ratio

The best way to know your actual rate is to get a personalized quote. I shop your loan across 25+ wholesale lenders to find the best rate and lowest fees for your specific situation.

What Affects Your Rate

Factors That Determine Your Mortgage Rate

National averages are a starting point. Here are the key factors that determine the rate a lender will offer you.

Credit Score

Your credit score is the single biggest factor in your mortgage rate. Borrowers with scores above 740 typically receive the best rates, while scores below 680 may result in higher rates or additional costs. Even a 20-point improvement can save thousands over the life of your loan.

Down Payment

A larger down payment reduces the lender's risk, which often translates to a lower interest rate. Putting 20% or more down also eliminates private mortgage insurance (PMI) on conventional loans, reducing your total monthly payment significantly.

Loan Type

Different loan programs carry different rate profiles. VA loans often have the lowest rates (no PMI required). Conventional loans offer competitive rates for strong borrowers. FHA loans provide accessible rates for lower credit scores. Each program has unique pricing.

Ready to Lock In Your Rate?

Rates change daily. Let me shop your loan across 25+ wholesale lenders to find the best rate for your specific situation. Free consultation, no obligation.

Schedule Free Consultation (561) 726-0601

Jonathan Ashkenazy -- NMLS# 1993619 -- Mortgage Inc, NMLS# 2028516 -- Equal Housing Opportunity