Rates updated every morning. Scroll down for FAQ and rate explanations.
Why These Rates Are Higher Than What You'll Get From Us
National averages are pulled from retail lenders — banks, credit unions, and big-box mortgage companies that have one rate sheet and one goal: protect their margin. They don't compete for your loan. You take it or leave it.
Edge Home Finance is a wholesale mortgage broker. That means 100+ lenders are competing to win your loan every single time. The result: our clients consistently close at rates well below what you see on Bankrate, Zillow, or any national average chart.
The difference on a $400,000 home can be $150–$300/month and $50,000+ over the life of the loan. That's real money.
Frequently Asked Questions
What is today's 30-year fixed mortgage rate?
The national average 30-year fixed mortgage rate is shown in the widget above, updated each morning. Your actual rate will depend on your credit score, down payment, loan type, and property. Borrowers working with Edge Home Finance typically receive rates meaningfully below the national average.
Are FHA rates lower than conventional rates?
FHA rates are often slightly lower than conventional rates, but FHA loans require mortgage insurance (MIP) for the life of the loan in most cases. Whether FHA or conventional is better depends on your credit score, down payment, and how long you plan to keep the loan. Ryan can run both scenarios side-by-side for your situation.
Why are VA loan rates lower?
VA loans carry a government guarantee, which reduces lender risk and allows for lower interest rates. Eligible veterans and active-duty military can often get the lowest rates of any loan type — with zero down payment and no private mortgage insurance. If you've served, a VA loan is almost always the smartest move.
How do I get a rate below the national average?
Work with a wholesale mortgage broker like Edge Home Finance. As a broker, we submit your loan to 100+ wholesale lenders simultaneously and choose the best pricing. Retail banks don't do this — they quote their own rate and that's it. The wholesale market almost always beats retail.
How often do mortgage rates change?
Rates can change daily — sometimes multiple times per day based on bond market movement, economic data, and Fed policy signals. That's why locking your rate at the right time matters. When you're ready to move forward, Ryan monitors the market and advises on the best time to lock.
What credit score do I need to get the best rate?
Generally, a 740+ credit score gets you the best conventional pricing. But every 20-point increment from 620 to 740 affects your rate. Ryan can show you exactly where you fall and what improvement would do to your monthly payment — without a hard credit pull to start.
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