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Current Mortgage Rates

As low as 4.88%

Compare rates from 16 trusted mortgage lenders

Updated Saturday, November 29, 2025

4.88%
Lowest Rate
5.42%
Lowest APR
16
Lenders

Personalize Your Rate Quote

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Editor's Picks

Editor's Pick

First Federal Bank Mortgage Lenders

First Federal Bank 5/1 ARM

NMLS #408902

5.0
(160)
Interest Rate
4.875%
Competitive Rate
APR 6.346%
Loan Type 5 1 Arm
Est. Payment $2,668/mo
Points 0
Min Credit Score 640+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from First Federal Bank Mortgage Lenders
Editor's Pick

Tomo

Tomo 30-Year Fixed Rate Mortgage

NMLS #2059741

4.8
(152)
Interest Rate
5.250%
Competitive Rate
APR 5.418%
Loan Type 30 Year Fixed
Est. Payment $2,784/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Tomo
Editor's Pick

Sage Home Loans

Sage Home Loans 30-Year Fixed

NMLS #3304

4.8
(619)
Interest Rate
5.375%
Competitive Rate
APR 5.529%
Loan Type 30 Year Fixed
Est. Payment $2,822/mo
Points 0
Min Credit Score 620+
Min Down Payment 3.5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Sage Home Loans
Editor's Pick

Deco Mortgage

Deco Mortgage 30-Year Fixed

NMLS #2561451

5.0
(140)
Interest Rate
5.490%
Competitive Rate
APR 5.663%
Loan Type 30 Year Fixed
Est. Payment $2,859/mo
Points 0
Min Credit Score 620+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Deco Mortgage
Editor's Pick

First Federal Bank Mortgage Lenders

First Federal Bank 30-Year Fixed Mortgage

NMLS #408902

5.0
(160)
Interest Rate
5.490%
Competitive Rate
APR 5.668%
Loan Type 30 Year Fixed
Est. Payment $2,859/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from First Federal Bank Mortgage Lenders
Editor's Pick

Rocket Mortgage

Rocket Mortgage 30-Year Fixed

NMLS #3030

4.8
(2637)
Interest Rate
5.500%
Competitive Rate
APR 5.650%
Loan Type 30 Year Fixed
Est. Payment $2,862/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
Jumbo Loan
View Full Details Get Quote from Rocket Mortgage
Editor's Pick

Better Mortgage

Better Mortgage 30-Year Fixed

NMLS #330511

4.3
(1370)
Interest Rate
5.500%
Competitive Rate
APR 5.646%
Loan Type 30 Year Fixed
Est. Payment $2,862/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Better Mortgage
Editor's Pick

Alliant Credit Union

Alliant Credit Union 30-Year Fixed Mortgage

NMLS #197185

5.0
(100)
Interest Rate
5.625%
Competitive Rate
APR 5.777%
Loan Type 30 Year Fixed
Est. Payment $2,901/mo
Points 0
Min Credit Score 620+
Min Down Payment 5%
Max Loan $766,550
VA Loan
View Full Details Get Quote from Alliant Credit Union
Editor's Pick

Third Federal

Third Federal 5/1 ARM

NMLS #449401

4.4
(151)
Interest Rate
5.640%
Competitive Rate
APR 5.584%
Loan Type 5 1 Arm
Est. Payment $2,906/mo
Points 0
Min Credit Score 640+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Third Federal

All Mortgage Rates

Editor's Pick

First Federal Bank Mortgage Lenders

First Federal Bank 5/1 ARM

NMLS #408902

5.0
(160)
Interest Rate
4.875%
Competitive Rate
APR 6.346%
Loan Type 5 1 Arm
Est. Payment $2,668/mo
Points 0
Min Credit Score 640+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from First Federal Bank Mortgage Lenders

Alliant Credit Union

Alliant Credit Union 5/1 ARM

NMLS #197185

5.0
(100)
Interest Rate
5.000%
Competitive Rate
APR 6.390%
Loan Type 5 1 Arm
Est. Payment $2,706/mo
Points 0
Min Credit Score 640+
Min Down Payment 5%
Max Loan $766,550
VA Loan
View Full Details Get Quote from Alliant Credit Union

Deco Mortgage

Deco Mortgage 5/1 ARM

NMLS #2561451

5.0
(140)
Interest Rate
5.000%
Competitive Rate
APR 6.485%
Loan Type 5 1 Arm
Est. Payment $2,706/mo
Points 0
Min Credit Score 620+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Deco Mortgage

Better Mortgage

Better Mortgage 5/1 ARM

NMLS #330511

4.3
(1370)
Interest Rate
5.125%
Competitive Rate
APR 6.607%
Loan Type 5 1 Arm
Est. Payment $2,744/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Better Mortgage
Editor's Pick

Tomo

Tomo 30-Year Fixed Rate Mortgage

NMLS #2059741

4.8
(152)
Interest Rate
5.250%
Competitive Rate
APR 5.418%
Loan Type 30 Year Fixed
Est. Payment $2,784/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Tomo
Editor's Pick

Sage Home Loans

Sage Home Loans 30-Year Fixed

NMLS #3304

4.8
(619)
Interest Rate
5.375%
Competitive Rate
APR 5.529%
Loan Type 30 Year Fixed
Est. Payment $2,822/mo
Points 0
Min Credit Score 620+
Min Down Payment 3.5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Sage Home Loans
Editor's Pick

Deco Mortgage

Deco Mortgage 30-Year Fixed

NMLS #2561451

5.0
(140)
Interest Rate
5.490%
Competitive Rate
APR 5.663%
Loan Type 30 Year Fixed
Est. Payment $2,859/mo
Points 0
Min Credit Score 620+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Deco Mortgage
Editor's Pick

First Federal Bank Mortgage Lenders

First Federal Bank 30-Year Fixed Mortgage

NMLS #408902

5.0
(160)
Interest Rate
5.490%
Competitive Rate
APR 5.668%
Loan Type 30 Year Fixed
Est. Payment $2,859/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from First Federal Bank Mortgage Lenders

Third Federal

Third Federal 30-Year Fixed

NMLS #449401

4.4
(151)
Interest Rate
5.490%
Competitive Rate
APR 5.700%
Loan Type 30 Year Fixed
Est. Payment $2,859/mo
Points 0
Min Credit Score 640+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Third Federal
Editor's Pick

Rocket Mortgage

Rocket Mortgage 30-Year Fixed

NMLS #3030

4.8
(2637)
Interest Rate
5.500%
Competitive Rate
APR 5.650%
Loan Type 30 Year Fixed
Est. Payment $2,862/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
Jumbo Loan
View Full Details Get Quote from Rocket Mortgage

loanDepot

loanDepot 30-Year Fixed Mortgage

NMLS #174457

3.7
(900)
Interest Rate
5.500%
Competitive Rate
APR 5.632%
Loan Type 30 Year Fixed
Est. Payment $2,862/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
Jumbo Loan
View Full Details Get Quote from loanDepot
Editor's Pick

Better Mortgage

Better Mortgage 30-Year Fixed

NMLS #330511

4.3
(1370)
Interest Rate
5.500%
Competitive Rate
APR 5.646%
Loan Type 30 Year Fixed
Est. Payment $2,862/mo
Points 0
Min Credit Score 620+
Min Down Payment 3%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Better Mortgage
Editor's Pick

Alliant Credit Union

Alliant Credit Union 30-Year Fixed Mortgage

NMLS #197185

5.0
(100)
Interest Rate
5.625%
Competitive Rate
APR 5.777%
Loan Type 30 Year Fixed
Est. Payment $2,901/mo
Points 0
Min Credit Score 620+
Min Down Payment 5%
Max Loan $766,550
VA Loan
View Full Details Get Quote from Alliant Credit Union
Editor's Pick

Third Federal

Third Federal 5/1 ARM

NMLS #449401

4.4
(151)
Interest Rate
5.640%
Competitive Rate
APR 5.584%
Loan Type 5 1 Arm
Est. Payment $2,906/mo
Points 0
Min Credit Score 640+
Min Down Payment 5%
Max Loan $766,550
FHA Approved
VA Loan
View Full Details Get Quote from Third Federal

Aurora Financial

Aurora Financial 30-Year Fixed

NMLS #35959

4.9
(326)
Interest Rate
5.875%
Competitive Rate
APR 5.875%
Loan Type 30 Year Fixed
Est. Payment $2,981/mo
Points 0
Min Credit Score 700+
Min Down Payment 10%
Max Loan $1,500,000
Jumbo Loan
View Full Details Get Quote from Aurora Financial

Aurora Financial

Aurora Financial 5/1 ARM

NMLS #35959

4.9
(326)
Interest Rate
5.875%
Competitive Rate
APR 6.696%
Loan Type 5 1 Arm
Est. Payment $2,981/mo
Points 0
Min Credit Score 700+
Min Down Payment 10%
Max Loan $1,500,000
Jumbo Loan
View Full Details Get Quote from Aurora Financial

Understanding Mortgage Rates

Mortgage rates determine how much you'll pay to borrow money to buy a home. Even a small difference in your rate can result in thousands of dollars in savings over the life of your loan.

  • Interest Rate: The cost to borrow, expressed as a percentage
  • APR: Includes rate plus fees, shows true cost
  • Fixed Rate: Same rate for entire loan term
  • ARM: Adjustable rate that can change over time

How to Get the Best Mortgage Rate

  • Improve your credit: Higher scores get better rates
  • Larger down payment: 20%+ avoids PMI and lowers rate
  • Compare lenders: Shop around for the best deal
  • Consider points: Pay upfront to lower your rate
  • Choose the right term: Shorter terms = lower rates

Compare Mortgage Types

30-Year Fixed

  • ✓ Stable monthly payment
  • ✓ Lower monthly payment
  • ✓ Most popular option
  • ✗ Higher total interest paid

15-Year Fixed

  • ✓ Lower interest rate
  • ✓ Build equity faster
  • ✓ Save on total interest
  • ✗ Higher monthly payment

5/1 ARM

  • ✓ Lower initial rate
  • ✓ Good if selling soon
  • ✗ Rate can increase
  • ✗ Payment uncertainty

Rate Disclosure

Rates shown are based on a 20% down payment on a $630,000 home with a credit score of 740 or higher. Your actual rate may differ based on your financial situation, property location, and lender requirements. Rates updated daily and subject to change without notice.