Current mortgage rates
National average rates from the Freddie Mac Primary Mortgage Market Survey, refreshed automatically each week.
Today’s mortgage rates
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What moves your rate
- Credit score and debt-to-income ratio
- Down payment size and loan type (conventional, FHA, VA)
- Loan term — shorter terms usually price lower
- Points paid at closing and lender fees
Averages are a starting point. Kings Bay military families, first-time buyers and island second-home buyers all see different pricing.