The first variable that should be considered by new homeowners is the rates that will be charged for the mortgage loan they wish to obtain. The mortgage loan is used to finance the payment for new homes; it is essential to learn about how the mortgage rate is calculated to avoid spending more money that could have been saved. Depending on the mortgage loan package, there are adjustable and fixed rates. The rates are also determined based on the duration of the mortgage.


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$1,129
per month
APR: 4.069%
Rate: 3.875%
Thu Dec 13
Fees: $5,580
Points: 0.000
Lock: 30 days
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$1,163
per month
APR: 4.273%
Rate: 4.125%
Thu Dec 13
Fees: $4,200
Points: 0.000
Lock: 30 days
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$1,181
per month
APR: 4.399%
Rate: 4.25%
Thu Dec 13
Fees: $4,198
Points: 0.000
Lock: 30 days
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$1,198
per month
APR: 4.399%
Rate: 4.375%
Thu Dec 13
Fees: $675
Points: 0.000
Lock: 30 days
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$1,198
per month
APR: 4.413%
Rate: 4.375%
Thu Dec 13
Fees: $1,080
Points: 0.000
Lock: 30 days
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$1,209
per month
APR: 4.488%
Rate: 4.45%
Thu Dec 13
Fees: $1,154
Points: 0.000
Lock: 30 days
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$1,215
per month
APR: 4.49%
Rate: 4.49%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,215
per month
APR: 4.5%
Rate: 4.49%
Thu Dec 13
Fees: $283
Points: 0.000
Lock: 30 days
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$1,216
per month
APR: 4.518%
Rate: 4.5%
Thu Dec 13
Fees: $509
Points: 0.000
Lock: 45 days
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$1,198
per month
APR: 4.533%
Rate: 4.375%
Thu Dec 13
Fees: $4,411
Points: 0.000
Lock: 45 days
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$1,234
per month
APR: 4.625%
Rate: 4.625%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,234
per month
APR: 4.625%
Rate: 4.625%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,234
per month
APR: 4.625%
Rate: 4.625%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,252
per month
APR: 4.75%
Rate: 4.75%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,252
per month
APR: 4.75%
Rate: 4.75%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 30 days
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$1,252
per month
APR: 4.75%
Rate: 4.75%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 45 days
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$1,252
per month
APR: 4.775%
Rate: 4.75%
Thu Dec 13
Fees: $685
Points: 0.000
Lock: 30 days
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$1,270
per month
APR: 4.875%
Rate: 4.875%
Thu Dec 13
Fees: $0
Points: 0.000
Lock: 45 days
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$1,270
per month
APR: 4.875%
Rate: 4.875%
Thu Dec 13
Fees: $450
Points: 0.000
Lock: 30 days
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$1,270
per month
APR: 4.891%
Rate: 4.875%
Thu Dec 13
Fees: $445
Points: 0.000
Lock: 30 days
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$1,252
per month
APR: 4.932%
Rate: 4.75%
Thu Dec 13
Fees: $4,977
Points: 0.000
Lock: 30 days
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$1,270
per month
APR: 4.94%
Rate: 4.875%
Thu Dec 13
Fees: $1,770
Points: 0.000
Lock: 60 days
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How are mortgage rates derived?

Determining the rates to be charged is done by assessing the clients' credit score, the value of down payment, the stock market condition, and the type of property, the mortgage rates currently being used in the real estate market, the state of the economy and other factors.

Finding the best mortgage deal

There are many mortgage lenders, and their rates may vary for the same type of loan you need. Finding a mortgage offer with lower rates can help you save a lot of money during the course of your long-term payments. So, the goal is to find a suitable mortgage according to your financial capacity that offers the best rates. Having a good credit score will also increase your chances of getting the best rates.

Start your research now; you can use the widget on our site to compare the mortgage rates currently available online.