Mortgage Rate Finder
Current as low as Mortgage and Home Equity Rates
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FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 5.997% | 6.090% |
| Purchase | Fixed mortgage | 15 years | 5.373% | 5.686% |
| Refinance | Fixed mortgage | 30 years | 5.996% | 6.099% |
| Refinance | Fixed mortgage | 15 years | 5.372% | 5.702% |
| Refinance | Fixed mortgage | 10 years | 5.372% | 5.696% |
| Cash-out refinance | Fixed mortgage | 30 years | 5.996% | 6.135% |
| Cash-out refinance | Fixed mortgage | 10 years | 5.750% | 5.750% |
| Home equity | HELOC | Revolving | 6.050% | 6.050% |
| Home equity | Home equity loan | Fixed term | No publishable rate available today | — |
What does the FreeRateUpdate Mortgage Rate Finder do?
The Mortgage Rate Finder gives you one place to review current network-wide “As Low As” mortgage and home equity rate information, then choose the financing goal you want to explore. The published figures are general rate information, not a personal quote or approval. A licensed lender or broker must review your details before offering terms.
How do I use the Mortgage Rate Finder?
Review the rate and APR table, choose a loan goal such as purchase, refinance, cash-out refinance, home equity, HELOC, or home improvement, and follow the questions for that path. FreeRateUpdate uses the details you provide to connect you with lenders and brokers in its network that are licensed for that business.
Does the “As Low As” rate apply to every borrower?
No. It is the lowest rate, paired with its corresponding APR, that FreeRateUpdate can currently verify from lenders and brokers in its network. It is not a quote. Your rate and APR depend on your credit profile, loan amount, property, equity, loan product, points, lender costs, and market timing.
What should I compare when reviewing mortgage offers?
Compare the interest rate, APR, points, lender fees, loan term, estimated payment, cash needed at closing, and rate-lock period using the same loan scenario. A lower headline rate can require points or carry different costs, so compare each lender’s Loan Estimate rather than one number alone.
Is FreeRateUpdate a mortgage lender?
No. FreeRateUpdate is a licensed mortgage broker with a network of participating lenders and brokers. It does not make loans, issue loan commitments, or set the rates and terms a lender offers. Lenders and brokers in the FreeRateUpdate network review the information you submit and decide which options, if any, they can offer.
| Purpose | Review current network rate information and explore a financing goal |
|---|---|
| Loan goals | Purchase, refinance, cash out, home equity, HELOC, and home improvement |
| Published rate | Network-wide “As Low As” information, not a personal quote |
| Compare together | Rate, APR, points, fees, term, payment, closing cash, and lock period |
| Your result | Depends on your details and the terms a licensed lender or broker offers |
| Site operator | FreeRateUpdate.com LLC, NMLS #1154338 |
PARTICIPATING LENDERS
Compare PA Mortgage Refinance Offers
Lower Your Interest Rate in Pennsylvania
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Pennsylvania
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Pennsylvania
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Pennsylvania Mortgage Rates
Pennsylvania homebuyers can choose among large cities, suburbs, small towns, and rural communities. Mortgage comparisons should keep the loan purpose, term, property, occupancy, points, and lock period consistent.
Common Pennsylvania Loan Types:
- Pennsylvania conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
- Pennsylvania FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
- Pennsylvania VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Pennsylvania Mortgage Rates
Mortgage pricing available in Pennsylvania varies by loan type, lender, borrower profile, property, points, and market timing. A shorter term can change both rate and payment; compare Pennsylvania 15-year and 30-year choices using total interest, monthly payment, and cash-flow needs.