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Today's Rates
Sample pricing for a well-qualified borrower. Your actual rate depends on credit score, down payment, property type, and loan program.
| PROGRAM | NATIONAL AVG. RATE | APR |
|---|---|---|
| 30-Yr Fixed Conventional | 7.375% | 7.546% |
| 15-Yr Fixed Conventional | 6.875% | 7.144% |
| 30-Yr Fixed FHA | 6.875% | 7.593% |
| 30-Yr Fixed VA | 7% | 7.167% |
| Jumbo 30-Yr Fixed | 7.375% | 7.477% |
| Jumbo 15-Yr Fixed | 7.625% | 7.789% |
| 20-Yr Fixed Conventional | 7.5% | 7.722% |
Rates shown are general market averages provided for context only — not National Choice Mortgage’s own pricing, a quote, a rate lock, or a commitment to lend. Actual rate, APR, and payment depend on your credit profile, loan amount, property type, and program guidelines, and will differ from the averages above. Contact us for a rate quote specific to your situation. Equal Housing Opportunity. NMLS #2688612.
Factors that affect your quote
Credit score
Higher scores typically unlock lower rates and better pricing tiers.
Down payment
More equity at closing generally reduces your rate and may remove mortgage insurance.
Loan program
Conventional, FHA, VA, and jumbo loans are priced differently based on risk and guidelines.
Property type
Primary residences typically price better than second homes or investment properties.
Rate FAQs
Are these rates guaranteed?
No. The rates shown above are national averages provided for context only — not National Choice Mortgage’s own pricing, a live feed, a quote, or a commitment to lend. Your actual rate depends on your credit profile, down payment, property type, and loan program.
Will checking my rate affect my credit score?
No. Getting a personalized quote from National Choice Mortgage has no impact to your credit to get started.
How often are these rates updated?
Periodically, not in real time — these are national averages, not a live rate feed.
What factors affect my rate the most?
Primarily your credit score, down payment, loan program (conventional, FHA, VA, or jumbo), and property type.
Want a rate built around your numbers?
Get a free, personalized quote — no impact to your credit to get started.