LIVE MARKET DATA 2026
Mortgage Intelligence
30-YR FIXED: 6.46%
15-YR FIXED: 5.77%
AUTO LOAN: 7.52%
SAVINGS APY: 3.14%
30-YR FIXED: 6.46%
MONTHLY
$0
Principal & Interest $0
Taxes & Fees $0
What Factors Affect Your Mortgage Rate?
Understanding these variables helps you negotiate a better deal with your lender.
Credit Score
Your credit score is the #1 factor. A higher score proves you’re a low-risk borrower, unlocking the lowest APRs in the market.
Down Payment
A larger down payment reduces the lender’s risk. Putting down 20% or more often helps you avoid private mortgage insurance (PMI).
Loan Term
15-year mortgages typically have lower interest rates than 30-year mortgages, though your monthly payments will be higher.
Market Conditions
Mortgage rates are tied to the 10-year Treasury yield and Federal Reserve decisions. Even global economic events play a role.