Interest Rates:

We don't post rates on our website. Why? Even for a standard 30-year fixed-rate loan, the rate and fees are a factor of many variables including the loan amount, the appraised value, applicants credit scores, the qualifying method, and the rate lock period. Shopping for a specific loan on the web is a bit like shopping for a new roof for your home without talking to the roofer: the product quoted may not be the product you want.

Some mortgage websites allow you to enter important variables and provide you with an estimated rate, but none will commit to a rate until you provide all of the required information, and most won't lock a rate until you have paid hundreds of dollars in upfront fees, and been fully approved.  We want to provide accurate information, and will provide you with a specific rate and cost quote, usually before you even complete an application, and always before you commit a penny of your money. With hundreds of lenders and brokers in the market, no provider can truthfully claim to have the best rate every day for all loan types , but the mortgage market is very competitive, and we have managed to stay in business through several rate cycles by offering very competitive rates.

To obtain a rough estimate of current rates, you can readily access weekly average rates of conforming loans (up to $417,000) recently closed through Freddie Mac's website . The general trend and magnitude of mortgage rate change is strongly influenced by the 10-year U.S. Treasury bond You can view its performance in the last hour, or as far back as five years at this Yahoo.com link .