Get a personalized rate estimate based on your credit score, down payment, loan type, and property. See how each factor affects your rate and monthly payment.
Estimate your personalized mortgage rate based on your financial profile and loan details.
Choose the range that matches your credit score. Higher scores qualify for lower rates — this is typically the single biggest factor in your rate.
Input the home price and down payment percentage. A larger down payment reduces your loan-to-value ratio and often earns a better rate.
Select between conventional, FHA, VA, or jumbo loans and pick your term length. Different loan types and shorter terms typically come with lower rates.
Enter your debt-to-income ratio and property type (single family, condo, etc.). These factors influence the risk adjustments applied to your rate.
See your personalized rate estimate, monthly payment, and a breakdown of each factor's impact. Compare how changing any input shifts your rate up or down.
Lenders use risk-based pricing — the lower the risk you pose, the lower the rate they offer. Credit score and LTV (loan-to-value) are the two biggest levers you control.
Improving your credit score from 680 to 740 can save 0.3–0.5% on your rate. On a $350k loan, that's $70–$100/month — or $25k–$36k over 30 years.
The single biggest factor. 760+ gets the best tiers. Below 680 adds significant rate premiums. Check and fix errors before applying.
Higher down payment = lower LTV = lower rate. Every 5% more down typically saves 0.125%–0.25%.
Below 36% is ideal. Above 43% and lenders may add a rate premium or deny the loan.
15-year fixed rates are 0.5–0.75% lower than 30-year. ARMs start lower but carry future risk. VA loans offer excellent rates for eligible veterans.