Why I don't post a rate table
Mortgage rates change daily and depend on your credit, down payment or equity, property type, occupancy, loan program, and loan amount. A generic rate posted on a website rarely matches what you'd actually be offered.
Instead, request a personalized quote. I'll review your scenario and send options you can compare side by side, including estimated closing costs, with no obligation.
What affects your rate
- Credit score and credit history
- Down payment or home equity
- Loan program (VA, FHA, conventional, DSCR, etc.)
- Property type and occupancy (primary, second home, investment)
- Loan amount and term
- Whether you choose to pay discount points
- Market conditions on the day you lock
Want to estimate a payment now? Try the mortgage calculators.
Rates and terms are subject to change without notice and are not guaranteed until a rate lock is confirmed in writing. Not a commitment to lend.
