Current Mortgage Rates
Competitive rates from Home Financial Group. Contact us for YOUR personalized rate.
Today's Rates
Sample rates — call for your personalized quote
| Loan Program | 30-Year Fixed | 15-Year Fixed | Min. Down | |
|---|---|---|---|---|
| Conventional | 6.300% | 5.650% | 3-5% | Calculate |
| FHA | 5.675% | — | 3.5% | Calculate |
| VA | 5.425% | — | 0% | Calculate |
| USDA | Contact Us | — | 0% | Calculate |
| Jumbo | 6.550% | — | 10-20% | Calculate |
Rates change daily. Get your personalized rate based on your specific situation.
Rates shown are for informational purposes only and are subject to change without notice. Actual rates depend on credit score, loan amount, down payment, property type, and other factors. Contact Home Financial Group for your personalized rate. NMLS# 305389.
What Affects Your Rate?
Credit Score
Higher scores typically get lower rates. 740+ gets the best pricing.
Down Payment
More down = lower rate. 20%+ eliminates PMI on conventional loans.
Loan Amount
Conforming loans ($766,550 in 2024) get better rates than jumbo.
Property Type
Single-family primary residences get the best rates vs. investment/condo.
Loan Term
15-year loans have lower rates than 30-year, but higher monthly payments.
Lock Period
Shorter rate locks (15 days) may offer slightly better pricing.
Estimate Your Payment
Use our free calculator to see what your monthly payment would be.
Payment CalculatorExplore Loan Options
FHA Loans
Low down payment option for first-time buyers.
Learn MoreVA Loans
Zero down payment for eligible veterans.
Learn MoreConventional Loans
Traditional financing with competitive rates.
Learn MoreRefinance Options
Lower your rate or tap into equity.
Learn MoreLoan Comparison
Compare FHA, VA, and conventional side-by-side.
Learn MoreApply Now
Start your mortgage application today.
Learn More