Mortgage and Refinance Rates by State
Current as low as Mortgage and Home Equity Rates
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 | 6.375% | 6.549% |
| Purchase | Fixed mortgage | 15 years | 5.375% | 5.736% |
| Refinance | Fixed mortgage | 30 years | 6.124% | 6.306% |
| Refinance | Fixed mortgage | 15 years | 5.490% | 5.837% |
| Refinance | Fixed mortgage | 10 years | 5.250% | 5.737% |
| Cash-out refinance | Fixed mortgage | 30 years | 6.375% | 6.556% |
| Home equity | HELOC | Revolving | 7.000% | 7.000% |
| Home equity | Home equity loan | Fixed term | 8.125% | 8.532% |
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Compare OH Mortgage Refinance Offers
Lower Your Interest Rate in Ohio
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 Ohio
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 Ohio
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 |
Alabama Mortgage Rates
With warm weather, varied scenery, and Gulf Coast communities, Alabama offers homebuyers a wide range of places to consider. Before choosing financing, review the current rate table and compare the loan purpose, term, APR, points, and fees that apply to the same scenario.
Common Alabama Loan Types:
- Alabama 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.
- Alabama 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.
- Alabama 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 Alabama Mortgage Rates
Mortgage pricing available in Alabama varies by loan type, lender, borrower profile, property, points, and market timing. Compare the published rate and APR for the same purpose and term, then review points, fees, and eligibility before choosing an offer.
Alaska Mortgage Rates
Relocating to Alaska offers a unique opportunity to embrace a serene and captivating lifestyle amidst breathtaking natural landscapes. With its pristine wilderness, diverse wildlife, and tight-knit communities, Alaska provides a refreshing contrast to urban living, making it an alluring destination for those seeking adventure and tranquility.
Common Alaska Loan Types:
- Alaska 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.
- Alaska 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.
- Alaska 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 Alaska Mortgage Rates
Mortgage pricing available in Alaska varies by loan type, lender, borrower profile, property, points, and market timing. Property type and location can affect lender availability in Alaska, so keep the property and occupancy assumptions constant when comparing offers.
Arizona Mortgage Rates
If you're looking to buy a home in Arizona, you'll be happy to know that there are a variety of loan options available to help you finance your dream home. Arizona is a popular destination for retirees, outdoor enthusiasts, and anyone seeking a warm climate year-round.
Common Arizona Loan Types:
- Arizona 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.
- Arizona 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.
- Arizona 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 Arizona Mortgage Rates
Mortgage pricing available in Arizona varies by loan type, lender, borrower profile, property, points, and market timing. Purchase and refinance quotes answer different borrowing needs; compare each within the same purpose, term, and lock period.
Arkansas Mortgage Rates
Arkansas homebuyers can review current mortgage information here and separately check Arkansas Development Finance Authority programs, including StartSmart and Move-Up, through ADFA or a participating lender. Program eligibility, assistance, rates, and availability can change.
Common Arkansas Loan Types:
- Arkansas conventional mortgages: Conventional mortgages in Arkansas are not insured or guaranteed by FHA, VA, or USDA. Conforming status, mortgage insurance, down payment, qualifications, rates, and fees depend on the loan amount, lender, borrower, property, and program.
- Arkansas FHA loans: FHA-insured mortgages in Arkansas are made by FHA-approved lenders and are not limited to first-time buyers. Borrower and property eligibility, county loan limits, down payment, and mortgage insurance depend on the loan details and current FHA rules.
- Arkansas VA loans: VA-backed mortgages in Arkansas are made by private lenders for borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment; entitlement, appraisal, occupancy, funding-fee rules and exemptions, closing costs, and lender approval still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Arkansas Mortgage Rates
Mortgage pricing available in Arkansas varies by loan type, lender, borrower profile, property, points, and market timing. An ADFA program quote and a standard market quote may use different eligibility or assistance terms, so compare rate, APR, fees, cash to close, and repayment obligations for the same scenario.
California Mortgage Rates
From the vineyards of Napa Valley to the waterfront homes in Manhattan Beach, California is home to some of the most outstanding real estate in the country. Whether you are looking to purchase a property as a place to call home or strictly an investment, everything starts with understanding California mortgage rates and how they will impact that transaction.
Common California Loan Types:
- California 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.
- California 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.
- California 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 California Mortgage Rates
Mortgage pricing available in California varies by loan type, lender, borrower profile, property, points, and market timing. Loan amount and county can place a California mortgage in conforming, high-balance, or jumbo pricing, so compare offers within the same loan category.
Colorado Mortgage Rates
With trendy locations like Boulder, Colorado Springs, and Denver as options, it shouldn't come as a surprise to anyone that the state of Colorado has become a trendy destination for remote workers that can relocate anywhere in the country. If you love the idea of living in the Rockies, you won't have any trouble finding a community you love in Colorado. The only real issue that anyone seems to have with moving to Colorado is that there isn't much inventory on the market.
Common Colorado Loan Types:
- Colorado 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.
- Colorado 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.
- Colorado 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 Colorado Mortgage Rates
Mortgage pricing available in Colorado varies by loan type, lender, borrower profile, property, points, and market timing. Fixed-rate and adjustable-rate quotes carry different payment risks; review the initial rate, adjustment terms, APR, and fees for each.
Connecticut Mortgage Rates
Outstanding schools and low crime rates are just two of the many reasons that people choose to live in Connecticut. The mix of urban and rural properties, close proximity to both the beach and New York City, and an abundance of high quality jobs offer even more incentives.
Common Connecticut Loan Types:
- Connecticut 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.
- Connecticut 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.
- Connecticut 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 Connecticut Mortgage Rates
Mortgage pricing available in Connecticut varies by loan type, lender, borrower profile, property, points, and market timing. A note rate does not include every financing cost, so use APR, points, lender credits, and estimated cash to close to compare Connecticut offers.
Delaware Mortgage Rates
It might be small in size, but the state of Delaware packs a pretty serious punch in terms of the things it can offer to potential homebuyers. In addition to having a rich history, plenty of coastline, and several fabulous beach towns.
Common Delaware Loan Types:
- Delaware 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.
- Delaware 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.
- Delaware 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 Delaware Mortgage Rates
Mortgage pricing available in Delaware varies by loan type, lender, borrower profile, property, points, and market timing. For a Delaware refinance, compare closing costs and the time needed to recover them along with the proposed rate and monthly payment.
District Of Columbia Mortgage Rates
The District of Columbia Housing Finance Agency lists DC Open Doors and the Home Purchase Assistance Program among resources for qualified District homebuyers. Each program has its own eligibility, property, financing, and repayment terms, so verify current details with the agency or a participating lender.
Common District Of Columbia Loan Types:
- District Of Columbia conventional mortgages: Conventional mortgages in the District of Columbia are not insured or guaranteed by FHA, VA, or USDA. Conforming or high-cost-area limits, mortgage insurance, down payment, qualifications, rates, and fees depend on the loan amount, lender, borrower, property, and program.
- District Of Columbia FHA loans: FHA-insured mortgages in the District of Columbia are made by FHA-approved lenders and are not limited to first-time buyers. Borrower and property eligibility, applicable loan limits, down payment, and mortgage insurance depend on the loan details and current FHA rules.
- District Of Columbia VA loans: VA-backed mortgages in the District of Columbia are made by private lenders for borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment; entitlement, appraisal, occupancy, funding-fee rules and exemptions, closing costs, and lender approval still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare District Of Columbia Mortgage Rates
Mortgage pricing available in the District of Columbia varies by loan type, lender, borrower profile, loan amount, property, points, and market timing. Assistance or subordinate financing can change cash to close and repayment obligations, so compare the first mortgage and any assistance together rather than comparing the note rate alone.
Florida Mortgage Rates
With plenty of international airports and dozens of popular vacation destinations, it's easy to see why so many people want to relocate to Florida. When you add that there is no state income tax, life in Florida starts to sound better and better. The biggest question most potential buyers ask at this point is, "How do Florida mortgage rates stack up compared to the rest of the country?"
Common Florida Loan Types:
- Florida 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.
- Florida 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.
- Florida 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 Florida Mortgage Rates
Mortgage pricing available in Florida varies by loan type, lender, borrower profile, property, points, and market timing. A Florida quote can change when a property is a primary residence, second home, or investment property, so compare offers using the same occupancy.
Georgia Mortgage Rates
From the coast and the mountains on either side of the state to the popular Atlanta area, there is plenty to love about real estate in Georgia. If you are looking to make a purchase anywhere in the Peach State, the first thing you will want to do is keep an eye on current Georgia Mortgage Rates.
Common Georgia Loan Types:
- Georgia 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.
- Georgia 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.
- Georgia 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 Georgia Mortgage Rates
Mortgage pricing available in Georgia varies by loan type, lender, borrower profile, property, points, and market timing. Mortgage quotes can move before they are locked; note the quote time, lock period, rate, APR, points, and lender credits when comparing Georgia offers.
Hawaii Mortgage Rates
With beautiful weather, the best surfing in the country, and a nearly endless amount of outdoor activities to explore, nothing compares to living in Hawaii. If you are considering relocating to the Aloha State, there is no time like the present! Of course, before you pack up your life and head for the islands, it helps to know what you are getting into, and one of the significant factors to consider is the type of interest rate you can expect to get on a home purchase in Hawaii.
Common Hawaii Loan Types:
- Hawaii 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.
- Hawaii 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.
- Hawaii 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 Hawaii Mortgage Rates
Mortgage pricing available in Hawaii varies by loan type, lender, borrower profile, property, points, and market timing. Loan amount, island, property type, and occupancy can affect Hawaii mortgage eligibility and pricing, so use matching assumptions for each comparison.
Idaho Mortgage Rates
Idaho offers urban, small-town, and rural housing markets across the state. Buyers can use the current rate table as a starting point, then compare personalized Loan Estimates using the same loan type, term, and property assumptions.
Common Idaho Loan Types:
- Idaho 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.
- Idaho 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.
- Idaho 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 Idaho Mortgage Rates
Mortgage pricing available in Idaho varies by loan type, lender, borrower profile, property, points, and market timing. Points and lender credits trade upfront cost against the quoted rate; compare both sides of that tradeoff on Idaho offers.
Illinois Mortgage Rates
From the gorgeous Chicago penthouse once occupied by Oprah Winfrey and the McAllister house from Home Alone to the much more modest former home of President Abraham Lincoln, there is an astounding amount of history in the real estate of Illinois. Whether you are looking for a great place in the city or something a little calmer out in the middle of nowhere, Illinois has plenty of options to see!
Common Illinois Loan Types:
- Illinois 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.
- Illinois 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.
- Illinois 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 Illinois Mortgage Rates
Mortgage pricing available in Illinois varies by loan type, lender, borrower profile, property, points, and market timing. Compare Illinois offers with the same loan amount, term, purpose, occupancy, and lock period so differences in rate and APR remain meaningful.
Indiana Mortgage Rates
Whether you already call the Hoosier State home or plan to relocate, Indiana mortgage choices should be compared using consistent assumptions. Review the loan purpose, term, rate, APR, points, fees, and lock period together.
Common Indiana Loan Types:
- Indiana 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.
- Indiana 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.
- Indiana 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 Indiana Mortgage Rates
Mortgage pricing available in Indiana varies by loan type, lender, borrower profile, property, points, and market timing. A published rate is a scenario, not a personalized approval; an Indiana lender must evaluate the application and property before issuing final terms.
Iowa Mortgage Rates
With four distinct seasons, an excellent education system, and plenty of wide-open spaces, it isn’t hard to see why people choose to live in the Hawkeye State. Understanding the types of loans available, and how the current interest rates can impact those options, is the key to getting the right mortgage for your new home.
Common Iowa Loan Types:
- Iowa 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.
- Iowa 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.
- Iowa 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 Iowa Mortgage Rates
Mortgage pricing available in Iowa varies by loan type, lender, borrower profile, property, points, and market timing. Down-payment assistance and mortgage pricing are separate considerations; confirm program eligibility and compare the underlying Iowa loan terms.
Kansas Mortgage Rates
Kansas offers a rich local history, some of the best barbecue in the country, and a low overall cost of living, so it isn’t difficult to understand the appeal of relocating to the Sunflower State. If you are thinking about purchasing a home in Kansas, there are several interesting programs available to help you make the most of your new home. A licensed loan officer can help you find the program that best meets your needs and Freerateupdate.com can help you find a licensed loan officer that serves your community.
Common Kansas Loan Types:
- Kansas 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.
- Kansas 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.
- Kansas 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 Kansas Mortgage Rates
Mortgage pricing available in Kansas varies by loan type, lender, borrower profile, property, points, and market timing. For an adjustable-rate mortgage, review the index, margin, first adjustment, later caps, and maximum rate in addition to the introductory quote.
Kentucky Mortgage Rates
Kentucky includes large-city, small-town, and rural housing markets with different property and loan needs. Compare current published scenarios, then request personalized terms from licensed lenders for the property and borrower involved.
Common Kentucky Loan Types:
- Kentucky 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.
- Kentucky 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.
- Kentucky 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 Kentucky Mortgage Rates
Mortgage pricing available in Kentucky varies by loan type, lender, borrower profile, property, points, and market timing. The quoted rate and cash required at closing can move in opposite directions, so compare Kentucky offers by rate, APR, points, credits, and cash to close.
Louisiana Mortgage Rates
They call New Orleans “The Big Easy,” and that attitude tends to apply to most of the state of Louisiana. If you want to relocate to a southern coastal state with beautiful scenery, world-class cuisine, an affordable cost of living, and that famously laid-back attitude, Louisiana should be at the top of your list.
Common Louisiana Loan Types:
- Louisiana 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.
- Louisiana 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.
- Louisiana 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 Louisiana Mortgage Rates
Mortgage pricing available in Louisiana varies by loan type, lender, borrower profile, property, points, and market timing. Property insurance and flood-related costs may affect the total housing payment even though they are not part of the mortgage note rate.
Maine Mortgage Rates
From coastal communities to inland towns, Maine homebuyers may encounter different property types and lender coverage. Compare rate, APR, points, fees, term, and lock period before selecting a mortgage.
Common Maine Loan Types:
- Maine 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.
- Maine 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.
- Maine 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 Maine Mortgage Rates
Mortgage pricing available in Maine varies by loan type, lender, borrower profile, property, points, and market timing. A Maine quote can differ by primary-home, second-home, or investment occupancy; use the intended occupancy consistently across lenders.
Maryland Mortgage Rates
Whether you are looking for a beach house along the Atlantic coast in Ocean City, something close to the action of Washington D.C. and Baltimore, or a quiet lakehouse around Deep Creek, there are more than a few reasons to be shopping for a home in Maryland. To help you make that home buying adventure go as smooth as possible, let’s break down exactly what you can expect when buying or refinancing a home in the Old Line State.
Common Maryland Loan Types:
- Maryland 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.
- Maryland 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.
- Maryland 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 Maryland Mortgage Rates
Mortgage pricing available in Maryland varies by loan type, lender, borrower profile, property, points, and market timing. Discount points are prepaid interest, so compare how much each Maryland quote charges upfront for the stated rate and how long you expect to keep the loan.
Massachusetts Mortgage Rates
Some of the most iconic sports franchises in the world call Boston home, and there is no shortage of people across the Northeast interested in living in Massachusetts. If you are thinking about relocating to the Bay State, the first step in any home purchase is to check out the local interest rates to help you determine exactly how much house you can afford.
Common Massachusetts Loan Types:
- Massachusetts 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.
- Massachusetts 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.
- Massachusetts 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 Massachusetts Mortgage Rates
Mortgage pricing available in Massachusetts varies by loan type, lender, borrower profile, property, points, and market timing. Property type and number of units can affect Massachusetts program eligibility and pricing; compare quotes for the same property assumptions.
Michigan Mortgage Rates
Between the stunning beauty of the Great Lakes, the big city environment around Detroit, and the college town fun of Ann Arbor, there is an awful lot to like about life in the state of Michigan. If you are considering purchasing or refinancing a home anywhere in this beautiful state, let’s take a minute to look at the pros and cons that it has to offer.
Common Michigan Loan Types:
- Michigan 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.
- Michigan 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.
- Michigan 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 Michigan Mortgage Rates
Mortgage pricing available in Michigan varies by loan type, lender, borrower profile, property, points, and market timing. For a Michigan refinance, compare the new balance, term, closing costs, payment, and time to recover costs instead of looking at the rate alone.
Minnesota Mortgage Rates
Minnesota includes urban, suburban, small-town, and rural housing markets. The current table provides published scenarios; personalized terms still depend on the borrower, property, loan purpose, and lender.
Common Minnesota Loan Types:
- Minnesota 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.
- Minnesota 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.
- Minnesota 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 Minnesota Mortgage Rates
Mortgage pricing available in Minnesota varies by loan type, lender, borrower profile, property, points, and market timing. Income, debts, credit profile, reserves, down payment, and property details all contribute to the terms a Minnesota lender can offer.
Mississippi Mortgage Rates
Between the beauty of the Gulf Coast, the southern hospitality across the state, and some of the lowest cost of living numbers in the entire country, it is easy to see why the people who call Mississippi home believe it might be the best-kept secret in the whole country.
Common Mississippi Loan Types:
- Mississippi 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.
- Mississippi 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.
- Mississippi 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 Mississippi Mortgage Rates
Mortgage pricing available in Mississippi varies by loan type, lender, borrower profile, property, points, and market timing. The mortgage payment is only part of the housing payment; account for property taxes, homeowners insurance, and any mortgage insurance when budgeting.
Missouri Mortgage Rates
When you combine a lower-than-average overall cost of buying a home with some of the stunning scenery available across the state, it is easy to see why Missouri is quickly becoming such a popular destination for homebuyers with the luxury to choose where they live.
Common Missouri Loan Types:
- Missouri 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.
- Missouri 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.
- Missouri 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 Missouri Mortgage Rates
Mortgage pricing available in Missouri varies by loan type, lender, borrower profile, property, points, and market timing. A prequalification or advertised scenario is not a Loan Estimate; use official Loan Estimates with matching assumptions for a final Missouri comparison.
Montana Mortgage Rates
With its diverse terrain ranging from the Rocky Mountains to the Great Plains, Montana is know for its beauty. The state is also seeing record numbers of people who want to relocate to Big Sky Country. Wide-open spaces are available just about everywhere out here. If you are thinking about looking for a new home anywhere in Montana, here are a few things you will definitely want to know about getting a mortgage for that home.
Common Montana Loan Types:
- Montana 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.
- Montana 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.
- Montana 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 Montana Mortgage Rates
Mortgage pricing available in Montana varies by loan type, lender, borrower profile, property, points, and market timing. Rural location, property type, loan size, and occupancy can affect which Montana lenders and programs will consider an application.
Nebraska Mortgage Rates
Known for being the home of Warren Buffett and lots of farmland, Nebraska offers some beautiful plains right in the heart of the country. Anyone thinking about relocating to the Cornhuskers state will undoubtedly want to know as much as possible about the available mortgage rates and home values.
Common Nebraska Loan Types:
- Nebraska 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.
- Nebraska 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.
- Nebraska 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 Nebraska Mortgage Rates
Mortgage pricing available in Nebraska varies by loan type, lender, borrower profile, property, points, and market timing. Lender credits can reduce upfront costs while changing the rate, and discount points can do the reverse; compare both on Nebraska quotes.
Nevada Mortgage Rates
From the Las Vegas strip up to Lake Tahoe and out to the Hoover Dam, there are many reasons that you might be thinking about moving to Nevada. Before you begin the house-hunting process, let's take a look at the impact that mortgage rates and home values might have on the lifestyle you desire out in the desert.
Common Nevada Loan Types:
- Nevada 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.
- Nevada 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.
- Nevada 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 Nevada Mortgage Rates
Mortgage pricing available in Nevada varies by loan type, lender, borrower profile, property, points, and market timing. Purchase, rate-and-term refinance, and cash-out refinance pricing should be compared separately because each purpose carries different assumptions.
New Hampshire Mortgage Rates
If you find yourself attracted to the scenery that comes with a classic New England lifestyle but don’t want to break the bank to make it happen, New Hampshire may be the perfect option for your next home. Low crime rates, no state income or sales tax, and close proximity to the entire northeast coast makes New Hampshire a fabulous, yet often overlooked, location for your next home!
Common New Hampshire Loan Types:
- New Hampshire 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.
- New Hampshire 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.
- New Hampshire 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 New Hampshire Mortgage Rates
Mortgage pricing available in New Hampshire varies by loan type, lender, borrower profile, property, points, and market timing. APR comparisons are most useful when the loan amount, product, term, points, and expected time in the loan are the same.
New Jersey Mortgage Rates
With popular suburbs of New York City and Philadelphia and the popular vacation destination of the Jersey Shore, there is a wide range of potential housing options across the state of New Jersey. With so many popular destinations in such a small geographic location, it should not surprise anyone that New Jersey clocks in as the most densely populated state in the country, which can dramatically inflate the cost of homeownership in the Garden State.
Common New Jersey Loan Types:
- New Jersey 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.
- New Jersey 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.
- New Jersey 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 New Jersey Mortgage Rates
Mortgage pricing available in New Jersey varies by loan type, lender, borrower profile, property, points, and market timing. Property type, occupancy, loan amount, and borrower profile can change a New Jersey quote; hold those inputs constant across lenders.
New Mexico Mortgage Rates
New Mexico includes desert communities, mountain areas, cities, and rural properties. Home prices and financing costs vary by location and property, so review the purchase price, taxes, insurance, loan terms, APR, points, and estimated cash to close for the specific home you are considering.
Common New Mexico Loan Types:
- New Mexico 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.
- New Mexico 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.
- New Mexico 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 New Mexico Mortgage Rates
Mortgage pricing available in New Mexico varies by loan type, lender, borrower profile, property, points, and market timing. A quoted rate can expire or change until locked, so record the quote date, lock period, points, credits, and APR for each New Mexico offer.
New York Mortgage Rates
New York housing ranges from New York City apartments to suburban, small-town, and rural properties. Property type, occupancy, loan amount, and county can all affect which mortgage programs and pricing apply.
Common New York Loan Types:
- New York 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.
- New York 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.
- New York 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 New York Mortgage Rates
Mortgage pricing available in New York varies by loan type, lender, borrower profile, property, points, and market timing. Loan amount and county can affect whether a New York loan uses conforming, high-balance, or jumbo pricing; compare within the same category.
North Carolina Mortgage Rates
From mountain communities to cities and the coast, North Carolina offers a broad mix of housing markets. Use the current table to review published scenarios, then compare lender terms for the same property and borrower assumptions.
Common North Carolina Loan Types:
- North Carolina 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.
- North Carolina 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.
- North Carolina 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 North Carolina Mortgage Rates
Mortgage pricing available in North Carolina varies by loan type, lender, borrower profile, property, points, and market timing. Mortgage insurance, points, and lender fees can change total borrowing cost even when North Carolina offers display the same note rate.
North Dakota Mortgage Rates
North Dakota is best known for its beautiful outdoor scenery, and residents here also enjoy low crime rates, excellent schools, and a high overall quality of life. But what can you expect when it comes to mortgage rates when buying or refinancing a home in North Dakota?
Common North Dakota Loan Types:
- North Dakota 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.
- North Dakota 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.
- North Dakota 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 North Dakota Mortgage Rates
Mortgage pricing available in North Dakota varies by loan type, lender, borrower profile, property, points, and market timing. Conventional, FHA-insured, VA-backed, and other programs use different eligibility and cost structures; compare North Dakota offers within one program.
Ohio Mortgage Rates
Ohio doesn't get anywhere near the attention it deserves on a national level. Still, savvy homebuyers across the country are making a point to appreciate all that the Buckeye State has to offer, including everything from world-class healthcare and big-city living to friendly neighbors and sprawling farmland.
Common Ohio Loan Types:
- Ohio 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.
- Ohio 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.
- Ohio 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 Ohio Mortgage Rates
Mortgage pricing available in Ohio varies by loan type, lender, borrower profile, property, points, and market timing. Rates can change during the day, so compare Ohio quotes gathered close together and carrying the same lock period and loan assumptions.
Oklahoma Mortgage Rates
With a wide range of nature and history to explore across the state, it isn’t hard to see why Oklahoma is a popular relocation destination for people from all over the country. When you add in the fact that the overall cost of living here typically falls about 16% below the national average, it’s hard to imagine why just about everyone isn’t packing up and moving to the Sooner State.
Common Oklahoma Loan Types:
- Oklahoma 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.
- Oklahoma 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.
- Oklahoma 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 Oklahoma Mortgage Rates
Mortgage pricing available in Oklahoma varies by loan type, lender, borrower profile, property, points, and market timing. Use the same loan purpose, amount, term, occupancy, credit assumptions, and lock period when comparing Oklahoma rate and APR figures.
Oregon Mortgage Rates
Oregon housing spans coastal, valley, city, and mountain communities. Review the current published rate scenarios, then compare the rate, APR, points, fees, term, and lock period offered for the same application.
Common Oregon Loan Types:
- Oregon 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.
- Oregon 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.
- Oregon 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 Oregon Mortgage Rates
Mortgage pricing available in Oregon varies by loan type, lender, borrower profile, property, points, and market timing. An adjustable-rate offer needs its index, margin, adjustment schedule, and caps reviewed alongside the initial Oregon rate and APR.
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.
Rhode Island Mortgage Rates
Rhode Island includes coastal, urban, and suburban housing markets within a compact area. Compare licensed-lender offers using the same loan amount, purpose, term, occupancy, points, and lock period.
Common Rhode Island Loan Types:
- Rhode Island 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.
- Rhode Island 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.
- Rhode Island 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 Rhode Island Mortgage Rates
Mortgage pricing available in Rhode Island varies by loan type, lender, borrower profile, property, points, and market timing. Closing-cost credits may change the rate, so compare Rhode Island offers by both upfront cash and ongoing borrowing cost.
South Carolina Mortgage Rates
South Carolina offers residents a nearly perfect combination of moderate climate, historical charm, and fabulous vacation destinations. If you are looking for the ideal place to call home, there is no shortage of great houses to choose from in the Palmetto State. South Carolina is also a popular destination for foodies with a fun combination of high-end restaurants, southern-style barbecue, and casual low-country cuisine. Regardless of where you choose to live in South Carolina, you can compare lenders before getting started using FreeRateUpdate.com.
Common South Carolina Loan Types:
- South Carolina 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.
- South Carolina 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.
- South Carolina 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 South Carolina Mortgage Rates
Mortgage pricing available in South Carolina varies by loan type, lender, borrower profile, property, points, and market timing. Conventional, FHA-insured, and VA-backed offers should be evaluated under their own eligibility, insurance, fee, and occupancy rules.
South Dakota Mortgage Rates
Home to the famous Mount Rushmore, Badlands National Park, and Crazy Horse Memorial, South Dakota is one of the most diverse Midwest states. It offers residents picturesque prairie and mountain views, a vibrant and unique culture, a strong local economy, and a growing number of career opportunities across the state. In addition, the average price of a home in South Dakota is significantly lower than the national average.
Common South Dakota Loan Types:
- South Dakota 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.
- South Dakota 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.
- South Dakota 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 South Dakota Mortgage Rates
Mortgage pricing available in South Dakota varies by loan type, lender, borrower profile, property, points, and market timing. Loan purpose, property, occupancy, borrower profile, points, and lender all affect a South Dakota quote; compare only matching scenarios.
Tennessee Mortgage Rates
Known for its world-class music scene, high-quality whiskey, and enchanting great smoky mountains, Tennessee is a popular destination for homebuyers. Demand for homes in Tennessee is growing, and this southern state's charm has something for everyone.
Common Tennessee Loan Types:
- Tennessee 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.
- Tennessee 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.
- Tennessee 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 Tennessee Mortgage Rates
Mortgage pricing available in Tennessee varies by loan type, lender, borrower profile, property, points, and market timing. Quoted terms may depend on credit, equity, property, loan amount, and lock timing; ask which assumptions support each Tennessee rate and APR.
Texas Mortgage Rates
Texas housing markets range from major cities and suburbs to small towns and rural areas. Compare purchase, refinance, and home-equity scenarios separately, then review personalized terms for the borrower and property.
Common Texas Loan Types:
- Texas 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.
- Texas 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.
- Texas 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 Texas Mortgage Rates
Mortgage pricing available in Texas varies by loan type, lender, borrower profile, property, points, and market timing. Compare Texas purchase, refinance, and home-equity scenarios separately, using the same purpose, property, term, points, and lock period.
Utah Mortgage Rates
With stunning natural beauty, low crime rates, and a straightforward tax policy, it’s no surprise that many people view the state of Utah as an ideal relocation destination. However, if you are thinking about picking up and moving to The Beehive State, the most important question on your mind should be whether the local interest rates and home values will make the move worthwhile.
Common Utah Loan Types:
- Utah 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.
- Utah 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.
- Utah 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 Utah Mortgage Rates
Mortgage pricing available in Utah varies by loan type, lender, borrower profile, property, points, and market timing. Debt-to-income ratio, credit profile, loan-to-value ratio, reserves, and property details can affect the terms offered on a Utah mortgage.
Vermont Mortgage Rates
Vermont is known as the “Green Mountain State” due to its lush forests and majestic mountain peaks. It is known across the East Coast for having some of the best hiking, skiing, and other outdoor activities, as well as being the top maple syrup producer in the country. Regardless of where you choose to live in Vermont, you can compare lenders before getting started using FreeRateUpdate.com.
Common Vermont Loan Types:
- Vermont 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.
- Vermont 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.
- Vermont 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 Vermont Mortgage Rates
Mortgage pricing available in Vermont varies by loan type, lender, borrower profile, property, points, and market timing. Use matching loan amount, purpose, term, occupancy, points, and lock period when comparing Vermont rate and APR figures.
Virginia Mortgage Rates
Everyone has seen the famous t-shirts claiming that “Virginia is for Lovers,” but Virginia is also a fantastic destination for anyone looking to buy a house. From the hustle and bustle around Washington D.C. and the history of Williamsburg on the east side of the state to the relaxing beauty of the Blue Ridge Mountains on the western side of the state, Virginia really does have something to offer just about everyone.
Common Virginia Loan Types:
- Virginia 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.
- Virginia 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.
- Virginia 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 Virginia Mortgage Rates
Mortgage pricing available in Virginia varies by loan type, lender, borrower profile, property, points, and market timing. VA-backed and conventional mortgages follow different eligibility and cost rules; compare Virginia offers within the same program and scenario.
Washington Mortgage Rates
Washington is truly a spectacular place to live. It is filled with natural beauty in every direction and is home to 5 breathtaking volcanic peaks. Washington has thriving cities like Seattle, Spokane, and Tacoma, but also boasts plenty of quiet mountain towns for those looking for a more relaxed lifestyle. Regardless of where you are looking to buy a home in Washington, you can compare lenders before getting started using FreeRateUpdate.com.
Common Washington Loan Types:
- Washington 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.
- Washington 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.
- Washington 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 Washington Mortgage Rates
Mortgage pricing available in Washington varies by loan type, lender, borrower profile, property, points, and market timing. Loan amount and county can affect conforming, high-balance, or jumbo pricing for a Washington property, so compare like loan categories.
West Virginia Mortgage Rates
West Virginia is known as the “Mountain State” due to its location completely inside the Appalachian Mountain range. It has some of the most rugged terrain in the whole country, meaning anywhere you go in this state will offer picturesque mountain views, flowing rivers, and lush forests. For those with a love for history, you will find countless historical locations, including Civil War battlegrounds, the historic Greenbrier, the record-breaking New River Gorge Bridge, and so much more. West Virginia is a great place for homebuyers, and you can compare lenders before getting started using FreeRateUpdate.com.
Common West Virginia Loan Types:
- West Virginia 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.
- West Virginia 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.
- West Virginia 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 West Virginia Mortgage Rates
Mortgage pricing available in West Virginia varies by loan type, lender, borrower profile, property, points, and market timing. A refinance may restart or extend the repayment term; compare West Virginia offers by total cost, new term, payment, and cash received as well as rate.
Wisconsin Mortgage Rates
Wisconsin's nickname is America's Dairyland, and it has more cows than any other state. The state is the country's leading dairy producer, and the cheese industry here is world-famous. Along with the strong dairy industry, you will find some of America's most recognized breweries, a strong manufacturing industry, a large lumber industry, great healthcare industries, and some of the most dedicated sports fans in the entire country. Wisconsin is home to the most lakes in the lower 48, and its 15,000+ lakes are a fisherman's paradise. Wisconsin is a great place for homebuyers looking for a great Midwest lifestyle. When searching for a home in Wisconsin, make sure to compare lenders by using FreeRateUpdate.com.
Common Wisconsin Loan Types:
- Wisconsin 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.
- Wisconsin 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.
- Wisconsin 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 Wisconsin Mortgage Rates
Mortgage pricing available in Wisconsin varies by loan type, lender, borrower profile, property, points, and market timing. Points, lender credits, and mortgage insurance can change the cost behind a Wisconsin rate; review them with APR and estimated cash to close.
Wyoming Mortgage Rates
The Wyoming Community Development Authority offers homebuyer financing and down payment assistance through participating lenders. WCDA program eligibility and requirements can vary by product, household, property, and county, so verify current terms before relying on a program.
Common Wyoming Loan Types:
- Wyoming conventional mortgages: Conventional mortgages in Wyoming are not insured or guaranteed by FHA, VA, or USDA. Conforming status, mortgage insurance, down payment, qualifications, rates, and fees depend on the loan amount, lender, borrower, property, and program.
- Wyoming FHA loans: FHA-insured mortgages in Wyoming are made by FHA-approved lenders and are not limited to first-time buyers. Borrower and property eligibility, county loan limits, down payment, and mortgage insurance depend on the loan details and current FHA rules.
- Wyoming VA loans: VA-backed mortgages in Wyoming are made by private lenders for borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment; entitlement, appraisal, occupancy, funding-fee rules and exemptions, closing costs, and lender approval still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Wyoming Mortgage Rates
Mortgage pricing available in Wyoming varies by loan type, lender, borrower profile, property, points, and market timing. Property location and type can affect program and lender eligibility, so compare offers using the same county, occupancy, property type, loan purpose, term, and lock period.