09/18/2025
YOUR PERSONALIZED MORTGAGE RATE
Rates are dropping and lenders are advertising various rates. What's yours?
The rate you see online might not be the one you get. That’s because advertised rates assume the “perfect” scenario: a primary residence, single-family home, big down payment, paying closing costs upfront, and a strong credit score (usually 740+).
If you’re refinancing, buying a condo, putting less than 20% down, rolling in closing costs, or your budget’s tighter, your rate will look different. When you apply for preapproval, your lender will crunch your details and give you a personalized rate.
Pro Tip: Apply for 3 estimates when making your decision of lenders. Add a local community lender as well.