Loan comparison rates

Your loan term, interest rate, and points or credits will significantly affect your monthly mortgage and long-term costs.

Your loan term is the length of your mortgage. Common fixed-rate mortgages include , , or year terms. On the other hand, a longer-term may provide you with a more affordable monthly mortgage. A mortgage comparison calculator can help you determine how each home loan may fit into your budget now and in the future.

Your mortgage interest rate is the amount you pay a lender for providing you the money to buy your home. Your credit score tells lenders how risky it might be to issue you a mortgage. A higher score indicates that you have a good history of paying back your debts on time.

This will qualify you for a lower interest rate because it shows you're likely less of a risk to lenders. To reduce your loan-to-value ratio and possibly your rate , consider making a larger down payment or purchasing a less expensive home.

Economic factors, such as U. economic growth, monetary policy, the bond market, housing market conditions, and inflation can all affect rates. Learn more about how the economy impacts rates here. A calculator simplifies the process and shows you what each home loan will cost you upfront, every month, and over time.

This helps you see how a particular mortgage would fit into your financial picture at different points. The sum you borrow to cover the sale price of your new home is different from the lifetime cost of your mortgage.

That's because your lifetime loan amount includes the principal the amount to cover the home purchase , interest what you pay the lender , and points or credits which help you save money at closing or in interest. A loan comparison calculator considers all of these expenses and can help you understand your total cost to become a homeowner.

This is important because it can help you determine which loan makes the most sense based on your plans. In this case, you should select the best option for your financial situation. However, having a visual that shares how different mortgages affect your short- and long-term costs can help you narrow down the right option.

Disclaimer: This home affordability calculator is made for illustrative purposes only. Accuracy is not guaranteed. Learn how to read a mortgage rate table—a powerful comparison tool to help you choose the best home loan for your needs—in this new article from Better Mortgage.

Read more. When looking at a mortgage, paying points means paying more upfront for a lower interest rate. On the other hand, getting credits means paying less at closing in exchange for a higher interest rate. Fixed-rate loan comparison calculator.

Mortgage amount. Loan term year fixed. Points or Credits. Points Credits. Graph Words to know. Break-even period. After 9 years 2 months, Option A will be less expensive than Option B. Break-even period This is when both loan options cost the same amount of money overall. Points and credits Points are a one-time payment you make at closing in exchange for a lower rate.

Monthly payment This is the amount you pay toward the principal and interest on a monthly basis. Total amount This is the amount you end up paying over the life of the loan — it takes into account the initial amount you borrowed, as well as the interest.

Option A. Loan term. Monthly payment. Lifetime cost. Option B. How to choose a home loan It can be overwhelming to evaluate your home loan options, but it doesn't have to be. Why your loan options matter Mortgages come in all shapes and sizes. Your loan term Your loan term is the length of your mortgage.

Your interest rate Your mortgage interest rate is the amount you pay a lender for providing you the money to buy your home. Get Pre-Approved in 3 minutes.

Mortgage interest rates are impacted by several factors that your lender will weigh, including:. Your credit score Your credit score tells lenders how risky it might be to issue you a mortgage.

That way, you have a better shot at obtaining a lower interest rate. Your loan-to-value ratio Your loan-to-value ratio measures how much you need to borrow versus what the property is worth. The lower your ratio, the less risk your lender takes on because it will be easier for them to recoup more of their money if you default.

Your points or credits decision Both points and credits may help you save money on your mortgage, but they do so in different ways. On the other hand, when you accept lender credits , you can decrease or eliminate your upfront closing cost.

The process and forms described on this page reflect mortgage regulations that apply to most mortgages. Skip to main content. Step 3. Goals for this phase Request Loan Estimates from multiple lenders Compare offers and fine-tune your options Choose a loan offer.

Action steps Follow the steps below to get and compare Loan Estimates from different lenders. Request Loan Estimates from multiple lenders Review your Loan Estimates Compare your Loan Estimates Fine-tune your loan offers Choose a loan offer.

Tools for this phase Interest rate explorer. Explore interest rates. Loan Estimate explainer.

A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation

Compare current mortgage rates for today

Loan comparison rates - This calculator will calculate the monthly payment and interest costs for up to 3 loans -- all on one screen -- for comparison purposes A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation

While loans are singular in nature, several components are commonly present across most lending arrangements. Promissory notes are key features of most deals, outlining each borrower's repayment responsibilities. The pledge to repay the loan stands as legal justification for collections in cases when payments are not made.

Interest is also present on most borrower contracts, requiring a certain percentage of the total loan amount be paid-off in addition to the original principal balance.

Most often, the interest attached to a loan is expressed as APR, annual percentage rate. Each billing period, the APR is broken down into term interest charges for each outstanding loan balance, determining the total amount of each required payment.

Comparing apples to apples is easiest when banks and credit unions express themselves in similar terms, but there are no assurances that every lender will approach the experience in the same way. As a result, weighing benefits and costs associated with loans requires some analysis, to make sure all things are equal.

Loan comparison calculator provides the ability to contrast as many as four scenarios at the same time, highlighting the loan terms most suited to your needs. There are several things to look at:. Quiet Day Ahead of Tuesday's CPI.

Uneventful Day For Rates. High Stakes Next Week. Uneventful Ceiling Defense. CPI Revisions Today. Real CPI Next Tuesday. News Headlines. Popular News Topics. Close Menu. Current Mortgage Rates 30 Year Fixed Rate.

Rate Data. Mortgage Calculators. Additional Rate Data. Additional Charts. MBS Data. Housing Production. Mortgage Rates Defined What Makes Rates Change?

Mortgage Rates and MBS More Questions More Data Rate Volatility Index 30 YR Fixed vs. MBS 30 Yr Fixed vs. This website requires Javascrip to run properly. Mortgage Loan Comparison Calculator. This loan comparison calculator will calculate the monthly payment and interest costs for 2 loans.

Use it to compare the differences in monthly payment and total cost of 2 loans based on different interest rates or loan terms. Want to compare the total cost of principal and interest on a 30 year vs. Different loan types to compare There are a variety of types of loans that you may consider, depending on your situation.

Personal loans: Personal loans are unsecured loans that can be used for almost any purpose, from debt consolidation to financing home improvement projects. These loans typically have fixed interest rates and repayment terms ranging from two to seven years.

Auto loans have fixed interest rates and are a type of secured loan. Mortgages can have fixed or adjustable interest rates and repayment terms of up to 30 years.

Student loans: Student loans can be federal or private. These loans are designed to help you cover education-related expenses, such as college tuition and fees, books, materials and room and board.

Annual percentage rate APR : this figure, expressed as a percentage, represents the true cost of your loan. It includes not only your interest rate but also any other fees charged by your lender. Repayment term: The repayment term is the number of months or years it will take to pay off your loan.

Debt-to-income ratio DTI : This figure measures how much of your monthly income is compromised by your debts. Lenders use the DTI to determine your eligibility to borrow money.

Loan amortization: This is how a loan will be scheduled out into equal payments for the loan's term. Origination fee : Some lenders charge an upfront fee to process your application. This fee is known as the origination fee.

This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR Use our loan comparison calculator to see how it all stacks up. View debt consolidation loan rates. Explore Bankrate's expert picks for the best NerdWallet's loan comparison calculator helps you compare the monthly and total cost of two mortgage, small business or personal loan offers: Loan comparison rates
















Down Purchase rewards. Promissory notes are key features of most compxrison, outlining each borrower's ratea responsibilities. So how do we make money? Financial Podcast. Higher scores are seen as safer. Principal is the original amount of money you borrowed while interest is what you're being charged to borrow the money. For homeowners looking to refinance, the current average year fixed refinance interest rate is 7. Or would you prefer to make larger payments, but over a shorter period of time? A mortgage loan is typically a long-term debt taken out for 30, 20 or 15 years. With a preapproval, the lenders verify some of the details of your finances, so both the rates offered and the amount you're able to borrow will be real numbers. What is a mortgage rate lock? A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation Borrowers who comparison shop tend to get lower rates than borrowers who go with the first lender they find. You can compare rates online to get started This calculator will calculate the monthly payment and interest costs for up to four loans -- all on one screen -- for comparison purposes This loan comparison calculator will calculate the monthly payment and interest costs for 2 loans. Use it to compare the differences in monthly payment and Use our loan comparison calculator to see how it all stacks up. View debt consolidation loan rates. Explore Bankrate's expert picks for the best NerdWallet's loan comparison calculator helps you compare the monthly and total cost of two mortgage, small business or personal loan offers This calculator will calculate the monthly payment and interest costs for up to 3 loans -- all on one screen -- for comparison purposes Loan comparison rates
Tax relief for veterans national Consolidating Multiple Mortgages interest rate compatison Mortgages Refinance. Action Loan comparison rates Follow the rafes below to get and compare Loann Estimates from different lenders. Loan 1. Mortgage rates will be flat this week after rising at the end of last week due to the much stronger-than-expected jobs report. Use our mortgage comparison calculator. Monthly payment. Choose the best mortgage offer for you. It's a good idea to lock the rate when you're approved for a mortgage with an interest rate that you're comfortable with. com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience. Compare Loan Terms This calculator will calculate the monthly payment and interest costs for up to four loans -- all on one screen -- for comparison purposes. Learn more at NBKC. Quiet Day Ahead of Tuesday's CPI. The central bank again held rates steady at its Jan. A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation Our loan comparison calculator takes into account the length of a loan, as well as the interest rate, loan amount, and whether you'll have points or credits Calculate your five-year cost of borrowing · On page 3 of the Loan Estimate, locate the “In 5 years” line in the Comparisons section. · Subtract the second number Borrowers who comparison shop tend to get lower rates than borrowers who go with the first lender they find. You can compare rates online to get started A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation Loan comparison rates
Gradually, more and more of Ratee payment will go toward the principal. Programs for relief from financial setbacks, Business card rewards program overview you plan to sell or refinance comparisin the next few years, choosing lender credits and saving money upfront may make more sense. Conventional, jumbo, FHA, VA, USDA, refinancing and more. Bankrate scores are objectively determined by our editorial team. First, learn your credit score and know what kind of rate to expect based on that score, your income and debt-to-income DTI ratio. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator. Break-even period This is when both loan options cost the same amount of money overall. Our interactive sample form helps you double-check the details and get definitions for terms used on the Loan Estimate form. Loans are applied to cover all kinds of expenses, from property purchases to college tuition. You will also see listed an APR annual percentage rate which includes the interest rate along with any fees, and in the case of a mortgage, includes points and closing costs. Home loans overall NerdWallet's home loan ratings are determined by our editorial team. A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation Loan Comparison Calculator. When comparing loans, make sure you're considering all Get the full picture with this calculator. View today's personal loan rates This calculator will calculate the monthly payment and interest costs for up to 3 loans -- all on one screen -- for comparison purposes How To Choose Between Multiple Loans · Lender fees. If a lender charges origination fees, these can increase the cost of your loan. · Loan amounts This loan comparison calculator will calculate the monthly payment and interest costs for 2 loans. Use it to compare the differences in monthly payment and This calculator is the same as the loan payments calculator but can compare up to 4 different loans at the same time. LOAN COMPARISON CALCULATOR This calculator will calculate the monthly payment and interest costs for up to four loans -- all on one screen -- for comparison purposes Loan comparison rates

Loan comparison rates - This calculator will calculate the monthly payment and interest costs for up to 3 loans -- all on one screen -- for comparison purposes A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example, a loan with a lower stated interest rate Current mortgage and refinance rates ; % · % · % · % ; % · % · % · % Compare personalized mortgage and refinance rates today from our national marketplace of lenders to find the best current rate for your financial situation

The central bank again held rates steady at its Jan. While the Fed doesn't directly set mortgage rates, its monetary policies do influence their direction. Fixed mortgage rates move with the year Treasury yield, while adjustable-rate loans more closely follow the Fed.

Mortgage rates spiked after the January employment [report] showed strength in the headline number of jobs created. For the coming week, I think rates will stay in their current range. Mortgage rates will be flat this week after rising at the end of last week due to the much stronger-than-expected jobs report.

With no market-moving data and just a slew of Fed speak, there is little to make rates move in any direction this week. Next week will be a different story with CPI, PPI and Retail sales reporting for the month of January!

Associate Professor of Finance and Dale Carnegie Trainer, Middle Tennessee State University , Murfreesboro , TN. Until that time, I predict that rates will remain in the current range.

Learn more: Weekly mortgage rate trend predictions. However, the Fed does set the overall tone for borrowing costs. To sum up: The Fed does not directly set mortgage rates, but its policies influence the financial markets and investors that dictate how these rates move.

Learn more about how the Federal Reserve affects mortgage rates. The difference between APR and interest rate is that the APR, or annual percentage rate, represents the total cost of the loan, including the interest rate and all fees and points.

The interest rate is the amount of interest the lender will charge you for the loan, not including any of the other costs. Getting the best possible rate on your mortgage can mean a difference of hundreds of extra dollars in or out of your budget each month — not to mention thousands saved in interest over the life of the loan.

Learn more: How to get a mortgage. Mortgage rates and fees can vary widely across lenders. To help you find the right one for your needs, use this tool to compare lenders based on a variety of factors.

Bankrate has reviewed and partners with these lenders, and the two lenders shown first have the highest combined Bankrate Score and customer ratings. You can use the drop downs to explore beyond these lenders and find the best option for you.

Garden State Home Loans. NMLS: State License: MB Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Conventional, jumbo, FHA, VA, USDA, refinancing and more.

Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Pennsylvania, Tennessee, Texas and Virginia. State License: Homefinity is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.

It offers many of the perks of an online lender, including up-to-the-minute rates and calculators to help you estimate your homebuying budget, refinance savings and more. It employs a smaller team of loan officers, but one that promises a fast, convenient process.

All U. states except Nevada and New York. These variables include:. Mortgage points , also referred to as discount points, help homebuyers reduce their monthly mortgage payments and interest rates.

A mortgage point is most often paid before the start of the loan period, usually during the closing process. It's a type of prepaid interest made on the loan. Each mortgage point typically lowers an interest rate by 0.

For example, one point would lower a mortgage rate of 6 percent to 5. The cost of a point depends on the value of the borrowed money, but it's generally 1 percent of the total amount borrowed to buy the home. Buying points upfront can help you save money in interest over the life of your loan, but doing so also raises your closing costs.

It can make sense for buyers with more disposable cash, but if high closing costs will prevent you from securing your loan, buying points might not be the right move. A mortgage rate lock freezes the interest rate while you shop for a home.

The lender guarantees with a few exceptions that the mortgage rate offered to a borrower will remain available to that borrower for a stated period of time. Most lenders offer a to day rate lock free of charge. This means if the interest rate increases before your loan closes, you get the stated rate.

Although some lenders offer a free rate lock for a specified period, after that period they might charge fees for extending the lock. A mortgage is a loan from a bank or other financial institution that helps a borrower purchase a home.

The collateral for the mortgage is the home itself. A mortgage loan is typically a long-term debt taken out for 30, 20 or 15 years.

Closing costs also include third-party fees like the cost of an appraisal and title insurance. Depending on your needs, the best mortgage lenders are often the ones that offer the most competitive rates and fees, stellar customer service and convenience.

Compare refinance rates and do the math with Bankrate's refinance calculator. Before joining Bankrate in , he wrote about real estate and the economy for the Palm Beach Post and the South Florida Business Journal. Read more from Jeff Ostrowski. Greg McBride, CFA, is Senior Vice President, Chief Financial Analyst, for Bankrate.

He leads a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience. Read more from Greg McBride. get 'disablePre' { document.

getElementById 'skip-and-show-rates'. Jeff Ostrowski. Written by Jeff Ostrowski Arrow Right Principal writer, Home Lending. Greg McBride, CFA. Reviewed by Greg McBride, CFA Arrow Right Chief financial analyst, Personal Finance.

Advertiser Disclosure Advertiser Disclosure You have money questions. Bankrate has answers. curved background image. I'm just browsing. What type of loan are you looking for? Select a lender Get custom quotes in under 2 minutes.

See your savings You could take hundreds off your mortgage. On this page On this page. Mortgage industry insights How to get the best mortgage for you Compare mortgage lenders side by side Factors that determine your mortgage rate Mortgage FAQ How to refinance your current mortgage.

ON THIS PAGE Mortgage industry insights How to get the best mortgage for you Compare mortgage lenders side by side Factors that determine your mortgage rate Mortgage FAQ How to refinance your current mortgage.

ON THIS PAGE Jump to Menu List. COMPARE Top offers on Bankrate vs. the national average interest rate Info Hover for more. APRs not included.

For our most recent APR information, please visit our rate table. Purchase Refinance. How our rates are calculated The national average is calculated by averaging interest rate information provided by plus lenders nationwide. Compare the national average versus top offers on Bankrate to see how much you can save when shopping on Bankrate.

Bankrate top offers represent the weekly average interest rate among top offers within our rate table for the loan type and term selected. Use our rate table to view personalized rates from our nationwide marketplace of lenders on Bankrate. See today's mortgage rates Arrow Right.

Top offers on Bankrate: 6. National average: 7. Invest Rate. Today's national mortgage interest rate trends On Monday, February 12, , the current average interest rate for the benchmark year fixed mortgage is 7. For homeowners looking to refinance, the current average year fixed refinance interest rate is 7.

In addition, the current average year refinance interest rate is 6. Compare current mortgage rates for today. Advertiser Disclosure Advertiser Disclosure The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear, except where prohibited by law for our mortgage, home equity and other home lending products.

The year fixed-rate mortgage is 2 basis points lower than one week ago and 11 basis points higher than one year ago. A basis point is one one-hundredth of one percent. Rates are expressed as annual percentage rate, or APR. Data source: ©Zillow, Inc. Use is subject to the Terms of Use. NerdWallet's ratings are determined by our editorial team.

The scoring formulas take into account multiple data points for each financial product and service. Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standards. NerdWallet's home loan ratings are determined by our editorial team.

It takes into account key factors that we know are important to FHA loan consumers. It takes into account key factors that we know are important to mortgage consumers. It takes into account key factors that we know are important to VA loan consumers.

Most people don't have the cash to simply buy a house. Instead, they use a mortgage, which is a loan to buy a home. A mortgage is set up so you pay off the loan over a specified period called the term. The most popular term is 30 years. Each payment includes a combination of principal and interest, as well as property taxes, and, if needed, mortgage insurance.

Homeowners insurance may be included, or the homeowner may pay the insurer directly. Principal is the original amount of money you borrowed while interest is what you're being charged to borrow the money. The mortgage rate a lender offers you is determined by a mix of factors that are specific to you and larger forces that are beyond your control.

Lenders will have a base rate that takes the big stuff into account and gives them some profit. They adjust that base rate up or down for individual borrowers depending on perceived risk.

If you seem like a safe bet to a lender, you're more likely to be offered a lower interest rate. Factors you can change:. Your credit score.

Mortgage lenders use credit scores to evaluate risk. Higher scores are seen as safer. In other words, the lender is more confident that you'll successfully make your mortgage payments.

Your down payment. Paying a larger percentage of the home's price upfront reduces the amount you're borrowing and makes you seem less risky to lenders.

You can calculate your loan-to-value ratio to check this out. Your loan type. The kind of loan you're applying for can influence the mortgage rate you're offered. For example, jumbo loans tend to have higher interest rates.

How you're using the home. Mortgages for primary residences — a place you're actually going to live — generally get lower interest rates than home loans for vacation properties, second homes or investment properties. Forces you can't control:. The U. Sure, this means Wall Street, but non-market forces for example, elections can also influence mortgage rates.

Changes in inflation and unemployment rates tend to put pressure on interest rates. The global economy. What's happening around the world will influence U. Global political worries can move mortgage rates lower. Good news may push rates higher. The Federal Reserve.

Decisions made by the Federal Open Market Committee to raise or cut short-term interest rates can sometimes cause lenders to raise or cut mortgage rates. Mortgage rates like the ones you see on this page are sample rates. In this case, they're the averages of rates from multiple lenders, which are provided to NerdWallet by Zillow.

They let you know about where mortgage rates stand today, but they might not reflect the rate you'll be offered. When you look at an individual lender's website and see mortgage rates, those are also sample rates.

Sample rates also sometimes include discount points , which are optional fees borrowers can pay to lower the interest rate. Including discount points will make a lender's rates appear lower. To see more personalized rates, you'll need to provide some information about you and about the home you want to buy.

For example, at the top of this page, you can enter your ZIP code to start comparing rates. On the next page, you can adjust your approximate credit score, the amount you're looking to spend, your down payment amount and the loan term to see rate quotes that better reflect your individual situation.

Whether you're looking at sample rates on lenders' websites or comparing personalized rates here, you'll notice that interest rates vary. This is one reason why it's important to shop around when you're looking for a mortgage lender. Fractions of a percentage might not seem like they'd make a big difference, but you aren't just shaving a few bucks off your monthly mortgage payment, you're also lowering the total amount of interest you'll pay over the life of the loan.

It's a good idea to apply for mortgage preapproval from at least three lenders. With a preapproval, the lenders verify some of the details of your finances, so both the rates offered and the amount you're able to borrow will be real numbers.

Each lender will provide you with a Loan Estimate. These standardized forms make it easy to compare interest rates as well as lender fees. When you're comparing rates, you'll usually see two numbers — the interest rate and the APR. The APR, or annual percentage rate , is usually the higher of the two because it takes into account both the interest rate and the other costs associated with the loan like those lender fees.

Because of this, APR is usually considered a more accurate measure of the cost of borrowing. The interest rate is the percentage that the lender charges for borrowing the money.

The APR, or annual percentage rate , is supposed to reflect a more accurate cost of borrowing. The APR calculation includes fees and discount points, along with the interest rate. APR is a tool used to compare loan offers, even if they have different interest rates, fees and discount points.

APR takes ongoing costs like mortgage insurance into account, which is why it's usually higher than the interest rate. Discount points are basically prepaid interest that reduces the interest rate on your mortgage. Buying points is optional.

Be on the lookout for them, as a lender may add points to a loan offer to make their interest rate seem more competitive. It's up to you to decide if paying for points as part of your closing costs is worth it. The impact of a 0.

Mortgage rates not only vary from day to day, but hour to hour. In order to know what rate you'll pay, you need the rate you're offered to stop changing. A mortgage rate lock is the lender's guarantee that you'll pay the agreed-upon interest rate if you close by a certain date. Your locked rate won't change, no matter what happens to interest rates in the meantime.

It's a good idea to lock the rate when you're approved for a mortgage with an interest rate that you're comfortable with.

Consult with your loan officer on the timing of the rate lock. Ideally, your rate lock would extend a few days after the expected closing date, so you'll get the agreed-upon rate even if the closing is delayed a few days.

About the author: Kate writes about mortgages, homebuying and homeownership for NerdWallet. Previously, she covered topics related to homeownership at This Old House magazine. Compare current mortgage rates. Every time. Today's average year fixed rate Today's average year fixed rate Today's average 5-year ARM rate.

Today's avg. fixed rate Today's avg.

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