Rates
How to get the lowest mortgage rate you qualify for
Your rate isn't luck — it's a handful of factors you can influence. Here's what actually moves the needle.
The rate you're offered isn't a single market number — it's personalized to your file. Understanding what drives it puts you in a position to get the best rate you actually qualify for.
The factors you control
Credit score is the big one: higher scores unlock lower rates, and the jumps between tiers can be worth a lot over 30 years. Your down payment matters too — more equity means less risk to the lender and often a better rate. So does the loan type, the term, and whether you choose to buy points up front.
Shop the whole market, not one lender
Rates vary between investors, and the sharpest price for your exact scenario isn't always where you'd expect. Instead of calling a dozen lenders yourself, we shop every eligible option for you and surface the best one — with no impact to your credit to see a quote.
Lock at the right time
Once you're happy with a rate, locking protects you from market swings while your loan is in process. Your loan officer can walk you through when to lock and how long you'll need. The short version: improve what you can, let us shop the rest, and lock with confidence.