Your mortgage rate is personal to you. We consider your finances, income, debts, and credit score to determine your rate. As a result, we may be able to offer you a mortgage rate that is lower or higher than the rate you see advertised by other lenders.

Your personal income, credit score, finances, and debts affect the mortgage rate we may offer you. How much money you want to borrow and the type of loan you choose can influence your rate, too.

The current mortgage market has a big impact on rates. The Fed Funds Rate set by the Federal Reserve Board and ten-year treasury bond rates both influence the mortgage rates lenders offer. The economy overall also has an impact on rates.

With an adjustable-rate mortgage, your rate and how much you pay in interest each month can change. You might pay more, less, or the same amount of money depending on how your loan adjusts. Learn more about fixed-rate and adjustable-rate mortgages.