Compare Today's Mortgage and Refinance Rates

*Today’s rates are a national average based on Freddie Mac reporting. Rates will vary by consumer factors including FICO score. For a real quote based on your scenario, click the “GET RATE QUOTE” button below.

A quote for today’s rates is not a commitment to make a loan.  Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements for refinances, and final credit approval. Not all applicants will qualify. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions.  Geneva Financial LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. Geneva Financial LLC is approved to participate in FHA programs but the products and services performed by Geneva Financial LLC are not coming directly from HUD or FHA.  Geneva Financial LLC NMLS #42056 is an Equal Opportunity Lender and Equal Housing Lender. 180 S Arizona Ave Ste 310 Chandler, AZ 85225. 1-888-889-0009. AZ BK #0910215

*Annual Percentage Rate (APR) for 30yr Conforming current as of today’s date is subject to change daily without notice & assumes a 30yr fully amortized loan, at a certain loan amount, a minimum FICO requirement, required minimum down payment, certain LTV, owner occupied single family residence. Annual Percentage Rate (APR) for 30yr FHA current as of todays date is subject to change daily without notice, and assumes a 30yr fully amortized loan, specified loan amount, , a minimum FICO requirement, required minimum down payment, certain LTV, owner occupied single family

Why is my mortgage rate different than my neighbor, friend or co-worker?

Today's Rates - What to Consider:

You may be wondering why you qualify for a different mortgage rate than your friends, neighbors and co-workers. Have you seen them post their low rate on social media, and wonder why you were quoted higher? There are many factors that can affect your rate today, lets take a look:

Today’s rates are determined by several different pieces of data, and any variance in those data points can affect the rate.

  1. Credit Score – typically higher credit scores will deliver lower mortgage rates
  2. Timing– Each day the rates may change, if you saw a rate today and then got quoted a different mortgage rate a week later, it’s likely the rates have fluctuated a bit.
  3. Loan Amount– The loan amount can affect what rate you qualify for
  4. Types of Loan– Depending on what type of loan you choose: FHA, VA, Conv, USDA, etc. the rates are different for each product
  5. Purpose– Depending on your loan purpose, either purchasing or refinance your loan rate may vary
  6. Term– The term of your home loan has a large impact, oftentimes you can get a lower rate with a shorter loan term (ex: 15-yr vs. 30yr)
  7. Debt- If you have a higher debt-to-income ratio, it’s likely today’s rates for you will be higher than someone with a significantly lower debt to income ratio.
  8. Points- You can choose to pay for points in order to lower your rate with compliant guidelines.

Again, today’s rates are unique to you and your qualifying factors, they vary from person to person, and day to day, if you are interested in seeing what your rate could be, take the mortgage quiz at the top of this page!