Today's Mortgage Rates

Mortgage rates change daily based on market conditions. The rates below are representative sample rates for well-qualified borrowers. Your actual rate will depend on your credit score, down payment, loan type, and other factors. Contact us for a personalized quote tailored to your situation.

Rate Disclaimer: Rates shown are sample rates for illustrative purposes only and are subject to change without notice. Rates assume a primary residence purchase, excellent credit (740+), and 20% down payment. APR includes fees and may differ from the interest rate. Not a commitment to lend. NMLS #242491 / #242120.

Sample Mortgage Rates

Updated daily

Loan Product	Interest Rate	APR	Notes
30-Year Fixed	Call for Rate	Call for APR	Most popular — stable payment for the life of the loan.
20-Year Fixed	Call for Rate	Call for APR	Pay off sooner with a lower rate than a 30-year.
15-Year Fixed	Call for Rate	Call for APR	Lowest fixed rate — ideal for refinancers building equity fast.
10-Year Fixed	Call for Rate	Call for APR	Aggressive payoff timeline with the best fixed rate available.
5/1 ARM	Call for Rate	Call for APR	Fixed for 5 years, then adjusts annually. Good for short-term ownership.
7/1 ARM	Call for Rate	Call for APR	Fixed for 7 years, then adjusts annually.
FHA 30-Year Fixed	Call for Rate	Call for APR	Government-backed. Down payments as low as 3.5%.
VA 30-Year Fixed	Call for Rate	Call for APR	For eligible veterans & active military. No down payment required.

Ready to lock in your rate?

Rates move daily. Call us now to get your personalized rate quote and lock it in before it changes.

(262) 370-1128

What Affects Your Mortgage Rate?

Credit Score

Borrowers with higher credit scores typically qualify for lower interest rates. A score of 740 or above generally earns the best available rates.

Loan-to-Value (LTV)

The more equity or down payment you bring, the lower your rate. Loans with an LTV below 80% avoid private mortgage insurance and often carry better rates.

Loan Type & Term

Shorter loan terms (15-year vs. 30-year) carry lower rates. Government-backed loans (FHA, VA, USDA) have their own rate structures.

Market Conditions

Mortgage rates move daily based on bond markets, Federal Reserve policy, inflation data, and broader economic indicators.

Property Type

Primary residences receive the best rates. Investment properties and second homes typically carry a rate premium.

Points & Fees

You can pay discount points upfront to "buy down" your rate. One point equals 1% of the loan amount and typically lowers your rate by 0.25%.

Understanding Rate Locks

A rate lock guarantees your interest rate for a set period — typically 30, 45, or 60 days — while your loan is being processed. This protects you from rate increases between application and closing.

Rate locks are generally available once you have a signed purchase contract and a completed loan application. Longer lock periods may carry a slightly higher rate or an additional fee.

If rates drop significantly after you lock, ask us about a float-down option, which may allow you to take advantage of lower rates before closing under certain conditions.