Compare Current Mortgage Rates Today

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Y1NnI6ICRJRlIsISZmlGTgIXZu5WYCJiOiIXZklmdvJHcisHLi02bj5yayRHamJGbisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiI0l2ZpJnQiojIyVGZpZ3byBnI7xiIt92Yusmc0lHdlpWOiJyWs0VfiQWaf1Gd1JiOiQUSUJCLiYWZpxWZSBCehRFIzNXZyRncvZkI6IiclRWa29mcwJyesISbvNmLzNXZyRncvZGehRnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLi8WasVWTiojIyVGZpZ3byBnI7xiIt92YuMHduVWb5FGcvlGbl1mIbxSX9Jicl5mbhJ2XtRXdiojIElEViwiIt92YukXYk52bNJiOiIXZklmdvJHcisHLi02bj5SehRmbv1mIbxSX9JCZpBHel1Gd191cj1mcjJiOiQUSUJCLi42bpRXYuV2Yp9mViojIyVGZpZ3byBnI7xiIt92Yu42bpRXYuV2Yp9mdisFLd1nIklGc4VWb0V3XzNWbyNmI6ICRJRlIsISeu5WZwlXZu9WTiojIyVGZpZ3byBnI7xiIt92YuknbuVGc5Vmbv1mIbxSX9JCduVGdu92Yf1Gd1JiOiwmcVV2ZhBlIsICZpt2Ypx2YiojIElEViwiIsFmcl5WZnBCZuFGIsF2ZlxkI6IiclRWa29mcwJyesISbvNmLhNWayVWbhdGbisFLd1nIkJ3bXlXZLJiOiQUSUJCLiUGZhJHdFJiOiIXZklmdvJHcisHLi02bj5SZkFmc0VmIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUmdpJHZlBXaQJiOiIXZklmdvJHcisHLi02bj5SZ2lmckVGcpBnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiUmchNGa0xWYlhEZlRXauVlI6IiclRWa29mcwJyesISbvNmLl52boVnIbxSX9JSMrNWYyR3XmZWYiojIElEViwiI0FGaUBCaj5WdhxkI6IiclRWa29mcwJyesIyLt92YuM3b0NXZiNXY89yZy9mLlNWa09mbyVWb1NnbvNmIbxSX9JSZjJ3bmNXZsF2UiojIyVGZpZ3byBnI7xiIt92YuU2Yy9mZzVGbhNnIbxSX9JCZpt2Ypx2YiojIElEViwiI5VmbyV3bqBiclJXdz5WagQXZwJiOiIXZklmdvJHcisHLi02bj5yclJmcvZmLy92cpZHZh5SZj5WYyV3culGdlBHft92YuMXZiJ3bm5icvNXa2RWYuQXZwJyWs0VfigXaulmZiojIyVGZpZ3byBnI7xiIt92YugXaulmZisFLd1nIxEGdhRmI6ICRJRlIsIyZulGdz9GSgITQgIiOiIXZklmdvJHcisHLi02bj5yZulGdz9GayEmIbxSX9JiMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsICZs92RgkHdpJ3bpJHUiojIyVGZpZ3byBnI7xiIt92Yuw2cqlDZrNWZisFLd1nIldWYwJiOiwmcVV2ZhBlIsICZpRnI6ICRJRlIsICdzV2VxIiOiIXZklmdvJHcisHLi02bj5CdzV2dxIyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiIzdmbpxWaGBCdml3dTJiOiIXZklmdvJHcisHLi02bj5ycn5mZ0Z2cisFLd1nI05WZ052bj9Vb0VnI6ICbyVVZnFGUiwiItJXZ09Vb0VnI6ICRJRlIsISekJXYBJiOiIXZklmdvJHcisHLi02bj5SekJXYhJyWs0VfikkRMVkI6IiclRWa29mcwJyesISbvNmLpZGblJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIkl2XiV3ciojIElEViwiIldWYyVmdvN0cy9GdpNXaWJiOiIXZklmdvJHcisHLi02bj5SZnFmclZ3bjNncvRXazlmdisFLd1nIkl2XlZXa0FWZyNmI6ICbyVVZnFGUiwiIkl2XiV3cfJXZuRnchBnI6ICRJRlIsISbvNmLlJXYjhGdsFWZIJiOiIXZklmdvJHcisHLi02bj5SZyF2YoRHbhVGaisFLd1nIxQWaiV3ciojIsJXVldWYQJCLiQUSUJiOiQUSUJCLikXZuJXdvpEIlNmbhJXdz5WSgwWZ2FmcUBSLgU2ZhJXZ292QgUmchBXbvNkI6IiclRWa29mcwJyesISbvNmLldWYyVmdvNWZyFGct92YuwWZ2Fmc0JyWs0Vfi42ZpFGctF2Yf1Gd1JiOiQUSUJCLiMncl5mcvNEIuVmdlNlI6IiclRWa29mcwJyesISbvNmLzJXZuJ3bj5WZ2V2cisFLd1nIyMnI6ICRJRlIsICZsVWaoNFIl12bIBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5CehJHdzhWYisFLd1nIkl2XiV3ciojIElEViwiI05WahNFI0lGZlJ3QiojIyVGZpZ3byBnI7xiIt92YuQnbpF2c0lGZlJ3YisFLd1nI05WZjNXQiojIyVGZpZ3byBnI7xiIt92YucmbpRmb1ZGduV2YzFGft92YuMnbh9Gb05WZkVHdzRnblN2chJyWs0VfiEjY1NnI6ICbyVVZnFGUiwiIkl2XrNWasNmI6ICRJRlIsICbhl2YuFmbpZEdyFWbTJiOiIXZklmdvJHcisHLi02bj5Cbhl2YuFmbpZGdyFWbzJyWs0VfiQUSiV3ciojIElEViwiITFURiojIyVGZpZ3byBnI7xiIt92YuQncvB3cuFmc0lXakJyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiI0JWZEBSZsBXbpNlI6IiclRWa29mcwJyesICdl5mL0JWZkVGbw1WazJyWs0Vfi42bpxGb1JEIuF2YpJXZtFkI6IiclRWa29mcwJyesISbvNmLu9WasxWdi5WYjlmcl1WY812bj5SZ0FWaslmZmFGZs92ZiFmIbxSX9JiMzJiOiQUSUJCLiMHduV2ZBBCdjVmcpRkI6IiclRWa29mcwJyesISbvNmLyA3crJHdisFLd1nItJXZ09Vb0VnI6ICRJRlIsISehdHdu9WTiojIyVGZpZ3byBnI7xiIt92YukXY3Rnbv1mIbxSX9JCZp9lY1NnI6ICRJRlIsISYwJXZoNlI6IiclRWa29mcwJyesIyLt92YuQncvB3cuFmc09Gd1FWYwJXZoNnIbxSX9JiY1N3XmZWYiojIElEViwiIldWYnRncv1EI0V2aj9mUiojIyVGZpZ3byBnI7xiIv02bj5SZnF2Z0J3btRXZrN2byJyWs0VfiETY0FGZiojIElEViwiIl1kLlRWaIJiOiIXZklmdvJHcisHLi8SZt5SZklGaisFLd1nIxIWdzJiOiQUSUJCLiYkVNJiOiIXZklmdvJHcisHLi8Cbu5Sarl2dwBXYisFLd1nIxIWdzJiOiwmcVV2ZhBlIsIiMiV3ciojIElEViwiIldWYnRncv1EIhhWYt9EIm9GIsFWd0VXTiojIyVGZpZ3byBnI7xiIv02bj5yayRXOmhmMtJyWs0Vfi0mclR3XtRXdiojIElEViwiIVJjI6IiclRWa29mcwJyesISbvNnLzV2cyV3bjRncvh2ctUmbpxmbvx3a15yYh5SZzxmLzV2cyV3bjVGdhNWamlGdyV2Yl5Was52b812bj5iclRnch12c0V2Z8F2Yu42b0VGbyF2YuAXbhNGdv9mY8F2Yu8Gdu9mcvRXdu4mchVGbuAXbhNGdv9mY8tWduMWYu0WYodmbp1mcpJmLw1WYjR3bvJGf41mLjVGduAXbhNGdv9mY8VHZl5iKuAXbhNGdv9mYisFLd1nItJXZ09Vb0VnI6ICRJRlIsISetVGZhNWQgs2YhR3csxWdGJiOiIXZklmdvJHcisHLi8SbvNmL51WZkF2Yht2YhR3csxWdmJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLi0mclR3XtRXdsQWarNWasN2Xw1mZiojIElEViwiIuJXYlxWasBXbpNlI6IiclRWa29mcwJyesIyL1RWZuUWdkJXdw5SZulGbu9mLyVmdvN2cpRmLsNXLw1WYjR3bvJmIbxSX9Jyci9mZiojIElEViwiIzJXZmZ2TggXZsZkI6IiclRWa29mcwJyesISbvNmLvJHcztmbpxGelxmZisFLd1nIyIXY2BnI6ICbyVVZnFGUiwiIxIXY2BnI6ICRJRlIsISZ6VWZyJkI6IiclRWa29mcwJyesISbvNmLlpXZlJnY0VWZtJyWs0VfiU2ZhBnI6ICbyVVZnFGUiwiIkl2Xu9Wa0NWYz5WYyRnI6ICRJRlIsISa6RmblxkI6IiclRWa29mcwJyesISbvNmLppHZuVGbuAHchJyWs0VfiIzdrJiOiwmcVV2ZhBlIsISM3tmI6ICRJRlIsISesZXaUJiOiIXZklmdvJHcisHLi02bj5SesZXa0JyWs0VfiEjY1NnI6ICRJRlIsIydvxmZyVmdFJiOiIXZklmdvJHcisHLi02bj5yayRnMzFWb812bj5icrRHMyYma812bj5SblxGahJWZyZmIbxSX9JiVBxWY09GViojIyVGZpZ3byBnI7xiIt92Yu4Gc2xWY09Gduwmc1xXbvNmL2FGbhR3b05CbyVnIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLigHZyF2QiojIyVGZpZ3byBnI7xiIt92YugHZyF2YisFLd1nIklmY1NnI6ICRJRlIsISY2lGd4VmTiojIyVGZpZ3byBnI7xiIt92YuEmdpRHel5mIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLikHbi1WZzNXQgwWYyVmbldkI6IiclRWa29mcwJyesISes5iYtV2czFGbhJXZuV2ZisFLd1nIklGdiojIElEViwiIlVHbCBCdiVGRiojIyVGZpZ3byBnI7xiIt92YuUWdsJGdiVGZu82ZisFLd1nIyMnI6ICRJRlIsIyZy9mL5RXa15mbBJiOiIXZklmdvJHcisHLi02bj5yajFmc0FWakVGczRWYlxmL0FGa0h2YuVXYsJyWs0VfiUmepJXZuRnchBlI6IiclRWa29mcwJyesIyLrNWasN2LuhmLmJHcisFLd1nIkl2ajlGbj9FctZmI6ICRJRlIsIibyFWZslGbw1WaTJiOiIXZklmdvJHcisHLi02bj5ibyFWZslGbw1WazxXdkVmLoNWZ0xWYj5SZtR3YuAXLnBnIbxSX9JSZnFGciojIsJXVldWYQJCLiQWa0JiOiQUSUJCLiIXZodWYsxWYHJiOiIXZklmdvJHcisHLi02bj5yculWLkVGZkVmYtVGft92YuMWZ05WYtl3cuUWbpR3ajlGbjJyWs0VfiEzciojIsJXVldWYQJCLiIzciojIElEViwiI4FGVgkHdp5Wdt12bDJiOiIXZklmdvJHcisHLi02bj5yayRndz5WaisFLd1nIkl2ajlGbjJiOiQUSUJCLiM3cl5WazVnYgkHbw1WazJiOiIXZklmdvJHcisHLi02bj5yczVmbpNXdilHbw1Waz5CdldGfzNXZul2c1JWesBXbpNnLlR3b1FnLy92cpZHZhNXZiJ3bmJyWs0VfiQWaz5WYyRnLnFGdiojIElEViwiIlNmbh5WaGBiblZXRiojIyVGZpZ3byBnI7xiIvIXZuRnchB3Lt92YuEmbvlmZisFLd1nIj1Wbf12YiojIElEViwiI5RnbhJnchdFIvRXdBBSZj5WYyVHZuVkI6IiclRWa29mcwJyesISbvNmL5RnbhJnchdXZj5WYyVHZuVmIbxSX9JCZp1WdiojIElEViwiI0NWZq9mcQBSbhVmcEBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5CdjVGdvJHcvRXdh1WYlJHZuF2YpJXZtFmIbxSX9JCduVGdu92Yf1Gd1JiOiQUSUJCLicmbpxGcwlmUiojIyVGZpZ3byBnI7xiIt92YucmbpxGcwlmcuIyWs0VfiIDZpJWdzJiOiwmcVV2ZhBlIsISMklmY1NnI6ICRJRlIsIyQMxEIu9Wa0FWby9mRiojIyVGZpZ3byBnI7xiIjxGbuMnbvlGdh1mcvZmIbxSX9JibnlWYw1WYj9Vb0VnI6ICRJRlIsICZyF2bidmbpJHcTJiOiIXZklmdvJHcisHLi02bj5CZyF2bidmbpJHczJyWs0VfiQnblRnbvN2XtRXdiojIElEViwiI09GclREI05WZtlXYQJiOiIXZklmdvJHcisHLi02bj5CdvBXZkRnbl1WehBnL0V2ZisFLd1nI05WZ052bj9Vb0VnI6ICRJRlIsICehR3UiojIyVGZpZ3byBnI7xiIt92YuMHduVWb5FGc4FGdz5CdldmIbxSX9JSMiV3ciojIsJXVldWYQJCLiIjY1NnI6ICRJRlIsICIsFGdpBXYDBCdzVncUlmI6IiclRWa29mcwJyesISbvNmLsFGdpBXYjR3c1JHdpJyWs0VfiQUSiV3UyVGazlGbiVHUiojIElEViwiI0VWZyR3culWdRJiOiIXZklmdvJHcisHLiI3Lpd2Yv02bj5SdwFGbj5yYisFLd1nIyIWdzJiOiwmcVV2ZhBlIsISMiV3ciojIElEViwiI5ZHbvRkI6IiclRWa29mcwJyesISbvNmLrJHd0AjdhBnIbxSX9JSbyVGdf1Gd1JiOiQUSUJCLiQXakVmcDJjepJkI6IiclRWa29mcwJyesISbvNmL0lGZlJ3YyoXaiJyWs0VfiQnblRnbvN2XtRXdiojIsJXVldWYQJCLiQWafZWZy91ZnFmI6ICRJRlIsISZ2FEIldWZsx2bDJiOiIXZklmdvJHcisHLi02bj5ycuF2bsRnblRWd0NXZ2FWZnVGbs92YisFLd1nItVXakVWbf1Gd1JiOiwmcVV2ZhBlIsISbyVGdf1Gd1JiOiQUSUJCLiQWZ0lmbVBycuFmclRXZWJiOiIXZklmdvJHcisHLi02bj5CZlRXauV3cuFmclRXZ2JyWs0VfiQUSldWYQJiOiwmcVV2ZhBlIsICRJNnbhJHdiojIElEViwiIsFWaj5WYulmRgU2baJiOiIXZklmdvJHcisHLi02bj5ibpZWZvpnIbxSX9JCZp9lbvl2czV2cfNXZiJ3bmJiOiQUSUJCLiQmchpXa3VGdvVXUiojIyVGZpZ3byBnI7xiIt92YuU2YuFmc1NnbphGdsFWZot2YpBHft92YuQmchpXa3VGdvVXc89SbvNmLzVmYy9mZuI3bzlmdkFmLkJXY6l2dlR3b1FnIbxSX9JiY1N3XmZWYiojIElEViwiIzVXauV2R5NWas9GciojIyVGZpZ3byBnI7xiInJ3buQWdvx2Yy82ZuMXdp5WZnl3Ypx2bwJyWs0Vfi42ZpFGctF2Yf1Gd1JiOiwmcVV2ZhBlIsISb1lGZl12XtRXdiojIElEViwiIvNUZ0lmcCJiOiIXZklmdvJHcisHLi82YuUGdpJnYuU2YuFmc1NnbpJyWs0VfiIzciojIElEViwiIl12bIByVSFkI6IiclRWa29mcwJyesISbvNmLzJXZmZ2bl12bodnchJyWs0VfiQWafJWdzJiOiQUSUJCLiU2YuFmbpZEI51kI6IiclRWa29mcwJyesISbvNmLlNmbh5WamlXbisFLd1nIiojIElEViwiIrJ3b3RXZOBCa0xWYlhEI51kI6IiclRWa29mcwJyesISbvNmLuhWetJyWs0VfiIiOiQUSUJCLiU2YuFmbpJkI6IiclRWa29mcwJyesIiLlNmbh5Wai5iIbxSX9JCduVGdu92Yf1Gd1JiOiwmcVV2ZhBlIsISbyVGdf1Gd1JiOiQUSUJCLi02bj5iclRHdlJkI6IiclRWa29mcwJyesISbvNmLyVGd0VmYisFLd1nIklGdiojIElEViwiIlRXYytmbhJkI6IiclRWa29mcwJyesISbvNmL4x2YjJnYisFLd1nIzMnI6ICRJRlIsIyb0R3biojIyVGZpZ3byBnI7xiIt92YuU2YuFmc1Nnbp9Gd09mIbxSX9JCZpNWYiojIElEViwiI0NWZu52bDBCblRnbpZkI6IiclRWa29mcwJyesISbvNmL0NWZu52bjxWZ05WamJyWs0VfiIjY1NnI6ICbyVVZnFGUiwiIxIWdzJiOiQUSUJCLiwWY0lGchNEIyFWZMJiOiIXZklmdvJHcisHLi02bj5iazpGaydDOkp2Ys5yd3dnIbxSX9JSZnFGciojIsJXVldWYQJCLiQWa0JiOiQUSUJCLi02bj5yclR3b1FVZmlGTiojIyVGZpZ3byBnI7xiIt92YuMXZ09WdxVmZpxmLlRXYyJyWs0VfiITY0FGZiojIsJXVldWYQJCLiETY0FGZiojIElEViwiIlNmbhJXdz5WasVmdhJHViojIyVGZpZ3byBnI7xiIt92YuU2YuFmc1NnbpxWZ2Fmc0JyWs0VfiIzXiV3ciojIsJXVldWYQJCLiEzXiV3ciojIElEViwiIhhGcsFGIhlGZl1kI6IiclRWa29mcwJyesISbvNmLhhGcsFWYpRWZt5SZj5WYyV3culmIbxSX9JiMwZWYiojIsJXVldWYQJCLiEDcmFmI6ICRJRlIsISZkFmbv1WZMJiOiIXZklmdvJHcisHLi02bj5SZkFmbv1WZsJyWs0VfiMDZpJWdzJiOiwmcVV2ZhBlIsIiMklmY1NnI6ICRJRlIsISZj5WYyV3culEIzJXZ05WZSBSVJZlI6IiclRWa29mcwJyesIycyVGduVmUvoiLvA3cv02bj5iY1hWeiVXa25SawFWLyVmb0JXYwJyWs0VfiMDZpJWdzJiOiwmcVV2ZhBlIsIiMklmY1NnI6ICRJRlIsISZj5WYyV3culEIzJXZud3bl12bIBSVJZlI6IiclRWa29mcwJyesISZt9GSsFmbvNnclB1Lq4yLwN3Lt92YuIWdolnY1lmdukGch1icl5GdyFGcisFLd1nIzQWaiV3ciojIsJXVldWYQJCLiIDZpJWdzJiOiQUSUJCLiU2YuFmc1NnbJByb0VXQgUVSWJiOiIXZklmdvJHcisHLi8Gd1FEbh52bzJXZQ9iKu8Ccz9SbvNmLiVHa5JWdpZnLpBXYtIXZuRnchBnIbxSX9JiMkl2XiV3ciojIsJXVldWYQJCLiQWafJWdzJiOiQUSUJCLiMHbhRXZNByc19WajVmcQBSY0NXdnVXQiojIyVGZpZ3byBnI7xiIt92YuMHbhRXZtNXdvl2YlJHchR3c1dWdh5ibyFWZsJyWs0VfiIjY1N3XmZWYiojIsJXVldWYQJCLiIWdz9lZmFmI6ICRJRlIsICZy9mZ0JXYIBibhNWayVWbBJiOiIXZklmdvJHcisHLi02bj5Cc19mcnRGbvdGaucmbpt2YhJHdisFLd1nIElkY1NlI6ICRJRlIsISbvB3b0VXQiojIyVGZpZ3byBnI7xiIt92Yu02bw9Gd1FmIbxSX9JibnlWYw1WYj9Vb0VnI6ICbyVVZnFGUiwiI05WZ052bj9Vb0VnI6ICRJRlIsICZsVWaoNlchNkI6IiclRWa29mcwJyesISbvNmLu9Wa0NWZ09mcwRGbllGazJXYjJyWs0VfiIjY1NnI6ICbyVVZnFGUiwiIxIWdzJiOiQUSUJCLicmbpRmblxEIvNGZs92RiojIyVGZpZ3byBnI7xiIt92YuU2Mzhmakp2Yn5yd3dnIbxSX9JiMiV3ciojIsJXVldWYQJCLiEjY1NnI6ICRJRlIsISZ292QiojIyVGZpZ3byBnI7xiIt92Yus2YhJHdlZ3bjJyWs0VfiMzciojIsJXVldWYQJCLiEzciojIElEViwiI05Wa2lmViojIyVGZpZ3byBnI7xiIt92YuQnbpZXa2JyWs0VfiMDZp9lY1NnI6ICbyVVZnFGUiwiIkl2XiV3ciojIElEViwiIn5Wak5W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At this time last week, the 30-year fixed was 3.12%. 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.sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#171717;color:#bbb;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding:13px 0 18px 16px;position:relative}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text{background:#171717;color:#fcfcfc;cursor:pointer;display:contents;font-family:Work Sans,sans-serif;font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:24px;position:relative;width:82%}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text{padding-right:10px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title .chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{height:25.5px}}@media (min-width:1440px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px 12px 24px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap>a{align-items:center;color:#fcfcfc;display:flex;font-family:Work Sans,sans-serif;font-size:18px;font-weight:400;justify-content:space-between;letter-spacing:-.2px;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .link-icon{fill:#fff;height:24px;width:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .icon-hidden{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .menu-tab{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:190px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:50px}}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:5px 0 5px 16px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .news-letter-subscribe{maring:0;display:none}}#custom-header-wrapper .header__nav .wp-menu .static-links{color:#fcfcfc;cursor:pointer;display:inline-block;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;letter-spacing:-.2px;line-height:12px;width:100%}#custom-header-wrapper .header__nav .wp-menu .static-links.forbes-text{cursor:revert}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu{padding:18px 0 0}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{height:36px;line-height:10px;padding-right:14px}#custom-header-wrapper .header__nav .wp-menu .sub-menu{margin-top:5px;padding:16px 0 11px}#custom-header-wrapper .header__nav .wp-menu .sub-menu .sub-menu-1{margin-top:-16px}}#custom-header-wrapper .search_icon{align-items:center;display:inline-flex;height:100%;padding:0 16px;position:absolute;right:0;width:auto}#custom-header-wrapper .search_icon_svg{cursor:pointer;height:24px;padding-left:16px;position:relative}#custom-header-wrapper .search_icon_svg svg{height:24px;width:24px}#custom-header-wrapper .search_icon_svg .sparkels-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media screen and (min-width:768px){#custom-header-wrapper .search_icon_svg .sparkels-icon{right:2px;top:2px}}#custom-header-wrapper .subscribe-button{align-items:center;background:#dc0000;border-radius:5px;color:#fff;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;height:32px;justify-content:center;letter-spacing:-.2px;line-height:16px;min-width:90px}#custom-header-wrapper .subscribe-button:hover{background-color:#c20000}@media screen and (min-width:768px){#custom-header-wrapper .search_icon{padding:0 24px}#custom-header-wrapper .search_icon_svg{border-radius:50%;height:40px;padding:8px;width:40px}#custom-header-wrapper .search_icon_svg:hover{background-color:#383838}#custom-header-wrapper .subscribe-button{font-size:14px;height:40px;line-height:22px;margin-right:16px;min-width:99px}#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper 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author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cbasile/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/cbasile/" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}' target="_blank">Caroline Basile </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a><span class="author-role">Mortgages and Student Loans Deputy Editor</span></div></div><div class="middle-content">Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She ho...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Mortgages and Student Loans Deputy Editor </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/jtarver/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-e1734467394525-88x88.png" alt="Jordan Tarver" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-e1734467394525-88x88.png' alt='Jordan Tarver' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'>Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/jordan-tarver\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-e1734467394525-88x88.png' alt='Jordan Tarver' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'>Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/jordan-tarver\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/jtarver/" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Jordan Tarver</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-e1734467394525-88x88.png' alt='Jordan Tarver' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'>Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/jordan-tarver\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Jordan-Tarver-e1734467394525-88x88.png' alt='Jordan Tarver' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"Jordan Tarver","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'>Jordan Tarver</a><span class="author-role">Lead Editor, Mortgages & Loans</span></div></div><div class="middle-content">Jordan Tarver has spent seven years covering mortgage, personal loan and business loan content for leading financial publications such as Forbes Advisor. He blends knowledge from his bachelor's degree in business finance, his experience as a top perf...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/jordan-tarver/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/jordan-tarver\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jtarver/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jtarver\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Lead Editor, Mortgages & Loans </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="max-w-1080px"></div></div> <div class="main-content-inner-wrapper max-w-1080px mx-auto md:px-20px px-15px md:pt-20px pt-16px"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-mktp-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-mktp-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F&text=Compare+Today%E2%80%99s+Mortgage+Rates" class="article-social-sharing__link article-social-sharing__link--twitter" data-mktp-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F&text=Compare+Today%E2%80%99s+Mortgage+Rates","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F&title=Compare+Today%E2%80%99s+Mortgage+Rates" class="article-social-sharing__link article-social-sharing__link--linkedin" data-mktp-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fmortgages%2Fmortgage-rates%2F&title=Compare+Today%E2%80%99s+Mortgage+Rates","clickType":"external"}'></span> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p>Following a welcome slide in August and September, mortgage rates resurged over the course of October and into November.</p> <p>Rates began their descent in late summer in anticipation of the Federal Reserve finally cutting its key policy rate at its September meeting. At its November meeting, the Fed cut the federal funds rate by 25 basis points. One basis point is one one-hundredth of a percentage point. More Fed rate cuts are widely anticipated, which could, once again, indirectly influence mortgage rate declines. However, the frequency and size of cuts will depend on economic and employment data.</p> <p>To help you stay informed, Forbes Advisor delivers the latest average weekly and daily rates on the most popular mortgages, empowering you to make the best financial decisions on your home-buying journey.</p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header 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9.65736H9.53433V8.63956C9.53433 7.62177 9.58714 5.46136 9.62555 5.1253L9.64475 4.94766Z" fill="white" /> </svg></p> <h2 class="eat-heading"> Why you can trust our mortgage rates </h2> </p></div> </p></div> <div style="display: none"> <div class="eat-wrapper left-section-enabled"> <div class="left-section"> <p>Forbes Advisor provides daily and weekly average mortgage rates from trusted sources like Curinos and Freddie Mac, helping you make home-financing choices with confidence. Our expert advisory board members, along with credible economists add valuable insights, provide accurate and unbiased commentary.</p> </p></div> </p></div> </p></div> </p></div> </p></div> <div data-mktp-container='{"componentTitle":"Myfi Mortgage Refi Elf Seo","componentType":"MyFinance-External Widget-MyFinance Static Js Widget"}' > <div class="myFinance-widget" data-widget-id="80823613-dae9-48fe-a515-afd7ac7cf597" data-campaign="forbes-mtgrefi-elftest"data-mktp-external-widget='{"tid":"tid_value","partnerName":"MyFinance","referenceText":"Forbes Mtgrefi Elftest"}'></div> </p></div> <h2 class="wp-block-heading">What Are Today’s Average Mortgage Rates?</h2> <p><strong>30-year fixed-rate mortgage:</strong></p> <ul> <li><strong>Today.</strong> The average APR for the benchmark 30-year fixed mortgage fell to 7.34%.</li> <li><strong>Last week.</strong> 7.31%.</li> </ul> <p><strong>15-year fixed-rate mortgage:</strong></p> <ul> <li><strong>Today.</strong> The average APR on a 15-year fixed mortgage is 6.52%.</li> <li><strong>Last week.</strong> 6.52%</li> </ul> <p><strong>30-year fixed-rate jumbo mortgage:</strong></p> <ul> <li><strong>Today.</strong> The average APR on the 30-year fixed-rate jumbo mortgage is 7.33%.</li> </ul> <ul> <li><strong>Last week.</strong> 7.02%</li> </ul> <h2 class="wp-block-heading">Today’s Mortgage Interest Rates by Term</h2> <p>Curinos uses its own standardized parameters, such as a $350,000 conventional mortgage loan. Jumbo mortgage rates are based on $750,000 loans. These daily mortgage rate calculations assume an 80% LTV ratio, a credit score of at least 740 and a 60-day lock period.</p> <div class="mkpl-shortcode-instance default variation-1" data-custom-value="mkpl-tables-" data-variation="variation-1" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="4" class="mkpl-marketplace_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: center" class="primary-font"> LOAN TERM </th> <th style="text-align: center" class="primary-font"> INTEREST RATE </th> <th style="text-align: center" class="primary-font"> APR </th> <th style="text-align: center" class="primary-font"> MONTHLY P&I PER $100,000 </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>30-Year Fixed</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.32%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.34%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$688</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>15-Year Fixed</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>6.49%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>6.52%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$872</div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>30-Year Jumbo</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.32%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.33%</div></div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$688</div></div> </td> </tr> </table> <div data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span>*Source: Curinos. To determine average mortgage rates, Curinos uses a standardized set of parameters. For conventional mortgages, the calculations are based on an owner-occupied, one-unit property with a loan amount of $350,000. For jumbo mortgages, the loan amount is $750,000. These calculations assume an 80% loan-to-value ratio, a credit score of 740 or higher and a 60-day lock period.</span> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><h2 class="wp-block-heading">Weekly Average Mortgage Rate Trends</h2> <p>The Freddie Mac Primary Mortgage Market Survey (PMMS) reflects rates for first-lien, conventional, conforming purchase mortgages with a loan-to-value (LTV) ratio greater than 75 and less than or equal to 80 and a credit score of at least 740 based on applications from lenders across the country submitted to Freddie Mac when a borrower applies for a mortgage.</p> <p><iframe id="datawrapper-chart-AiWS5" style="width: 0; min-width: 100% !important; border: none;" title="Weekly Average Mortgage Rate Trends" loading="lazy" src="https://datawrapper.dwcdn.net/AiWS5/35/" height="453" frameborder="0" scrolling="no" aria-label="Interactive line chart" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}();</script></p> <h2 class="wp-block-heading">Forbes Advisor Average Mortgage Rates for January 2025</h2> <p>After a promising downward trend, mortgage rates got spooked in October and began climbing again amid election anxieties and strong economic and jobs data ahead of the next federal interest rate decision in November.</p> <p>Following its decision to <a href="https://www.forbes.com/advisor/mortgages/rates-are-coming-down/" target="_blank" rel="noreferrer noopener"data-mktp-link='{"clickText":"cut its key interest rate by 50 basis points","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/rates-are-coming-down\/","clickType":"internal"}'>cut its key interest rate by 50 basis points</a> in September, the Federal Reserve lowered the fed funds rate by an additional 25 basis points at its November meeting. Though mortgage rate activity is likely to be volatile in the coming weeks, experts say rates are unlikely to surge to the highs of earlier this year. Compare rates and terms among the <a href="https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/"data-mktp-link='{"clickText":"best mortgage lenders","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/best-mortgage-lenders\/","clickType":"internal"}'>best mortgage lenders</a> to find a deal that fits your unique situation.</p> <section id="What-should-consumers-do-when-mortgage-rates-go-down" class="ask-the-expert-block exclude-eds ate-block-id-1316220677b45564e5d8 p-16px pt-12px border-askTheExpert-accent border-t-4 shadow-askTheExpertBlock rounded-12px text-black900 lg:p-40px lg:pt-36px my-20px lg:my-24px" data-mktp-container='{"componentTitle":"What should consumers do when mortgage rates go down?","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">ASK AN EXPERT</p> <h2 class="ate-widget-main-heading">What should consumers do when mortgage rates go down?</h2> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_01161649" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='01161649' data-parent-id='1316220677b45564e5d8' data-mktp-misc-click='{"clickText":"Christy Bunce","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/ChristyB-3-Ana-Huynh-scaled-e1714031465735-150x150.jpg alt="Christy Bunce" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Christy Bunce</p> <p class="expert-designation">Advisory Board Member</p> </p></div> </p></div> <div id="author_11161659" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='11161659' data-parent-id='1316220677b45564e5d8' data-mktp-misc-click='{"clickText":"Phil Crescenzo","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/Phil-Crescenzo-Jr.-Aimee-Tiberi.png alt="Phil Crescenzo" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Phil Crescenzo</p> <p class="expert-designation">Advisory Board Member</p> </p></div> </p></div> <div id="author_21316275" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='21316275' data-parent-id='1316220677b45564e5d8' data-mktp-misc-click='{"clickText":"Caroline Basile","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-150x150.jpg alt="Caroline Basile" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Caroline Basile</p> <p class="expert-designation">Mortgages and Student Loans Deputy Editor</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_01161649" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>When homeowners see that mortgage rates are decreasing, they should call a trusted loan officer to see if a refinance makes sense for them financially. There are so many variables that are in play when a consumer is contemplating a refinance. For instance, there are a lot of consumers out there today who have amassed a decent amount of revolving debt, so even a very small mortgage rate decrease could help them save a lot of money doing a cash-out refinance and consolidating their debt. </p> <p>If a consumer is just looking to do a rate-and-term refinance and does not have the need to consolidate debt, a good rule of thumb to consider is if the rate is going down at least 0.25% to 0.50%, they should strongly consider a refinance, assuming the points and fees for that type of rate drop are not exorbitant.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/loans/christy-bunce/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Christy Bunce","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/christy-bunce\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/ChristyB-3-Ana-Huynh-scaled-e1714031465735-150x150.jpg alt="Christy Bunce" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/loans/christy-bunce/" target="_blank" data-mktp-link='{"clickText":"Christy Bunce","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/christy-bunce\/","clickType":"internal"}'>Christy Bunce</a></p> <p class="expert-designation">Advisory Board Member</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_11161659" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>When mortgage interest rates decrease, the first step a consumer should take is to determine how this change may affect their current home-buying experience. Since information is readily available on mobile devices, notifications, online ads, TV, etc. this can cause added anxiety around the process or even a fear of missing an opportunity. An alert over a rate reduction or rate drop for a minimal rate decrease may not be worth changing course or switching an institution (in some cases).</p> <p>Get the facts and details before making any quick decisions.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/loans/Phil-Crescenzo-Jr/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Phil Crescenzo","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/Phil-Crescenzo-Jr\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/Phil-Crescenzo-Jr.-Aimee-Tiberi.png alt="Phil Crescenzo" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/loans/Phil-Crescenzo-Jr/" target="_blank" data-mktp-link='{"clickText":"Phil Crescenzo","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/Phil-Crescenzo-Jr\/","clickType":"internal"}'>Phil Crescenzo</a></p> <p class="expert-designation">Advisory Board Member</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_21316275" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>If rates drop and you decide to buy a home, there’s another way to get an even lower interest rate: buying discount points. <a href="https://www.forbes.com/advisor/mortgages/mortgage-points-are-they-worth-paying/"data-mktp-link='{"clickText":"Mortgage discount points","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/mortgage-points-are-they-worth-paying\/","clickType":"internal"}'>Mortgage discount points</a> are prepaid interest and can help home buyers reduce their rate by paying up front. Each point typically lowers an interest rate by 0.25 percentage points. For example, purchasing one point would lower a mortgage rate of 6% to 5.75%. The cost of a point is usually 1% of the total mortgage amount.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-150x150.jpg alt="Caroline Basile" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'>Caroline Basile</a></p> <p class="expert-designation">Mortgages and Student Loans Deputy Editor</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> <h2 class="wp-block-heading">Insights From Economists: Detailed Predictions for Interest Rates in January 2025</h2> <ul> <li><strong>Bright MLS chief economist Lisa Sturtevant. </strong>“Mortgage rates will fall further during the second half of the year, but it will not be a steady decline through year’s end. There will be some ups and downs.”</li> <li><strong>William Raveis Mortgage regional vice president Melissa Cohn.</strong> “The peak in mortgage rates is behind us, but mortgage rates are not going to decline as fast as everyone would like them to”</li> <li><strong>First American deputy chief economist Odeta Kushi.</strong> “Mortgage rates are notoriously difficult to forecast because they’re tied to the wider economy and global geopolitical events. However, there are indications that mortgage rates could gradually decline through the remainder of the year.”</li> <li><strong>Zillow Home Loans chief economist Orphe Divounguy. </strong>“At this point, I don’t expect to see significant declines in mortgage rates through the end of the year. However, we are likely to see some more volatility. While inflation is expected to keep moderating, any unexpected changes in labor market conditions could trigger more mortgage rate volatility as investors reassess their forecasts for economic growth and the path of Fed policy.”</li> </ul> <div id="read-more-widget" class="read-more-widget-wrapper" data-mktp-container='{"componentTitle":"Read More","componentType":"Read More Widget"}'> <h4 id="read-more-wrapper-title">Read more</h4> <ul> <li><a href="https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/" data-mktp-link='{"clickText":"Housing Market Predictions For 2025: When Will Home Prices Drop?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/real-estate\/housing-market-predictions\/","clickType":"internal"}'> <div class="img-wrap"><img decoding="async" width="296" height="140" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/500x/https://www.forbes.com/advisor/wp-content/uploads/2021/12/housing_predictions-e1733474034542.jpg" alt="Housing Market Predictions For 2025: When Will Home Prices Drop?"></div> <div class="content-wrap"> <h5 class="read-more-post-card-title">Housing Market Predictions For 2025: When Will Home Prices Drop?</h5> </div> <p></a></li> <li><a href="https://www.forbes.com/advisor/mortgages/mortgage-interest-rates-forecast/" data-mktp-link='{"clickText":"Mortgage Rates Forecast For 2025: Experts Predict How Much Rates Will Drop","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/mortgage-interest-rates-forecast\/","clickType":"internal"}'> <div class="img-wrap"><img decoding="async" width="296" height="140" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/500x/https://www.forbes.com/advisor/wp-content/uploads/2020/12/roofline.jpg" alt="Mortgage Rates Forecast For 2025: Experts Predict How Much Rates Will Drop"></div> <div class="content-wrap"> <h5 class="read-more-post-card-title">Mortgage Rates Forecast For 2025: Experts Predict How Much Rates Will Drop</h5> </div> <p></a></li> <li><a href="https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/" data-mktp-link='{"clickText":"Best Mortgage Lenders Of January 2025","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/best-mortgage-lenders\/","clickType":"internal"}'> <div class="img-wrap"><img decoding="async" width="296" height="140" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/500x/https://www.forbes.com/advisor/wp-content/uploads/2020/12/exterior-e1607933900918.jpg" alt="Best Mortgage Lenders Of January 2025"></div> <div class="content-wrap"> <h5 class="read-more-post-card-title">Best Mortgage Lenders Of January 2025</h5> </div> <p></a></li> </ul> </div> <h2 class="wp-block-heading">How Today's Interest Rates Affect Your Monthly Payments</h2> <p>If you know how much you’re borrowing, what type of loan you’re getting and how many years you have to pay it back, you can use a <a href="https://www.forbes.com/advisor/mortgages/mortgage-calculator/"data-mktp-link='{"clickText":"mortgage calculator","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/mortgage-calculator\/","clickType":"internal"}'>mortgage calculator</a> to check your monthly payment at different interest rates.</p> <p>For instance, if you have a starting loan balance of $425,000 on a 30-year fixed-rate mortgage, here’s approximately what you can expect to pay in principal and interest every month, excluding taxes, mortgage insurance, homeowners insurance and HOA fees:</p> <ul> <li><strong>At a 5% interest rate.</strong> $2,281 in monthly payments (excluding taxes, mortgage insurance, homeowners insurance and HOA fees)</li> <li><strong>At a 6% interest rate.</strong> $2,548 in monthly payments (excluding taxes, mortgage insurance, homeowners insurance and HOA fees)</li> <li><strong>At a 7% interest rate.</strong> $2,828 in monthly payments (excluding taxes, mortgage insurance, homeowners insurance and HOA fees)</li> <li><strong>At an 8% interest rate.</strong> $3,119 in monthly payments (excluding taxes, mortgage insurance, homeowners insurance and HOA fees)</li> </ul> <h2 class="wp-block-heading">How To Get the Best Mortgage Rate Today</h2> <p>Though lenders decide your mortgage rate, there are some proactive steps you can take to ensure the best rate possible. For example, advanced preparation and meeting with multiple lenders can go a long way. Even lowering your rate by a few basis points can save you money in the long run.</p> <p>Here are some other ways you can improve your chances of getting the best deal:</p> <ul> <li><strong>Take stock of your financial situation.</strong> Before you fall in love with your dream home, you better make sure you can afford the monthly payments and other homeownership costs. For instance, start by looking at your debt-to-income (DTI) ratio—aka your total monthly debts against your monthly earnings—to determine <a href="https://www.forbes.com/advisor/mortgages/how-much-house-can-i-afford/"data-mktp-link='{"clickText":"how much home you can afford","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/how-much-house-can-i-afford\/","clickType":"internal"}'>how much home you can afford</a>.</li> <li><strong>Review your credit score.</strong> Lenders look at your <a href="https://www.forbes.com/advisor/credit-score/how-to-improve-credit-score/"data-mktp-link='{"clickText":"credit score","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-score\/how-to-improve-credit-score\/","clickType":"internal"}'>credit score</a> to evaluate the risk you pose as a borrower. A higher score gives you a better chance at scoring favorable mortgage terms. Paying down balances, limiting new <a href="https://www.forbes.com/advisor/credit-cards/best-credit-cards/"data-mktp-link='{"clickText":"credit cards","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/best-credit-cards\/","clickType":"internal"}'>credit cards</a> and loans and checking your credit report for errors can all work towards raising your score.</li> <li><strong>Meet with several lenders.</strong> You don’t have to go with the first lender quote you receive. You can shop around to find the best loan to fit your needs—research various mortgage lenders and different loans you might qualify for to put yourself in a stronger position once you are ready to buy a home.</li> <li><strong>Crunch the numbers with a mortgage calculator.</strong> Once you know which type of loan you qualify for, you can estimate your monthly payments by punching your numbers into various mortgage calculators, such as a <a href="https://www.forbes.com/advisor/mortgages/30-year-fixed-mortgage-calculator/"data-mktp-link='{"clickText":"30-year fixed mortgage calculator","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/30-year-fixed-mortgage-calculator\/","clickType":"internal"}'>30-year fixed mortgage calculator</a> or <a href="https://www.forbes.com/advisor/mortgages/mortgage-amortization-calculator/"data-mktp-link='{"clickText":"mortgage amortization calculator","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/mortgage-amortization-calculator\/","clickType":"internal"}'>mortgage amortization calculator</a>.</li> <li><strong>Save money.</strong> The more you put down on a home, the less you’ll need to borrow from a lender. This means lower monthly payments and more savings over the life of the loan.</li> </ul> <h2 class="wp-block-heading">What Affects Current Mortgage Rates?</h2> <ul> <li><strong>Federal Reserve monetary policy.</strong> Mortgage rates are indirectly influenced by the Federal Reserve’s monetary policy. When the central bank raises the <a href="https://www.forbes.com/advisor/investing/federal-funds-rate/"data-mktp-link='{"clickText":"federal funds target rate","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/federal-funds-rate\/","clickType":"internal"}'>federal funds target rate</a>, as it did throughout 2022 and 2023, that has a knock-on effect by causing short-term interest rates to go up. In turn, interest rates for home loans tend to increase as lenders pass on the higher borrowing costs to consumers.</li> <li><strong>Lenders.</strong> A lender with physical locations and a lot of overhead may charge higher interest rates to cover its operating costs and make a profit on its mortgage business. On the other hand, lenders that operate solely online tend to offer lower mortgage rates because they have less fixed costs to cover.</li> <li><strong>Your credit.</strong> Your individual credit profile also affects the mortgage rate you qualify for. Borrowers with a strong credit history and good score (at least 680) usually receive a lower interest rate, while borrowers with a poor credit score—whom lenders consider high risk—are typically charged a higher interest rate.</li> </ul> <div id="cta-builder" class="cta-builder exclude-eds default dark-mode" data-mktp-container='{"componentTitle":"Faster, easier mortgage lending","componentType":"CTA Builder"}'> <div class="cta-builder__wrap " data-mktp-product='{"itemId":"","itemName":"Faster, easier mortgage lending","itemBrand":"Better.com","itemCategory":"Mortgages","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Better.com","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <div class="left"> <h2 class="cta-builder__title">Faster, easier mortgage lending</h2> <p class="cta-builder__desc">Check your rates today with Better Mortgage.</p> </p></div> <div class="right"> <a href="https://better.com/b/forbes/?utm_source=forbes&utm_medium=bestonline&utm_campaign=mixed&utm_term=68706" class="cta-builder__btn cta-builder-button" data-nofollow="true" data-component="Default with Blue Background" data-cta-placement="Button Link" style="background-color:#13B698" data-trellis-widget-wrapper-id = "677b45565c013" data-mktp-conversion='{"clickText":"VIEW RATES","clickUrl":"https:\/\/better.com\/b\/forbes\/?utm_source=forbes&utm_medium=bestonline&utm_campaign=mixed&utm_term=68706","partnerName":"Better.com"}' > VIEW RATES </a> </div> </p></div> </p></div> <h2 class="wp-block-heading">How To Compare Current Mortgage Rates</h2> <p>Comparison shopping often leads to finding the lowest rates. To get started, you can compare rates and different lender offerings online. Pay attention to the fine print on the websites to see how those rates are determined. For the most accurate quote, you’ll need to apply for a mortgage through various lenders or go through a mortgage broker.</p> <div class="pro-tip pro-tip-wrapper"> <div class="pro-tip__heading"><span class="icon"></span><span class="text">Pro Tip</span></div> <div class="pro-tip__content">When applying for a mortgage, you must show that you're financially stable, so avoid quitting or changing your job—unless it's for a higher salary—right before or during your application process. Otherwise, lenders may regard your situation as too unstable to afford the monthly payments and deny you a loan. Talk to your lender before making any changes.</div> </div> <p>Applying for a mortgage on your own is straightforward and most lenders offer online applications, so you don’t have to drive to a physical location. Additionally, applying for multiple mortgages in a short period of time won’t affect your credit score as each application is counted as one query within a 45-day window.</p> <p>Finally, when you’re comparing rate quotes, be sure to look at the APR, not just the interest rate. The APR reflects the total cost of your loan on an annual basis and any discount points being charged.</p> <h2 class="wp-block-heading">Forbes Advisor's Insight on Current Mortgage Rates and the Housing Market</h2> <p>Predictions indicate that home prices will remain elevated throughout 2024 while new construction continues to lag behind. This will put buyers in tight housing situations for the foreseeable future.</p> <p>To cut costs, that could mean some buyers would need to move further away from higher-priced cities into more affordable metros. For others, it could mean downsizing, or foregoing amenities or important contingencies like a home inspection. However, be careful about giving up <a href="https://www.forbes.com/advisor/mortgages/mortgage-contingency/"data-mktp-link='{"clickText":"contingencies","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/mortgage-contingency\/","clickType":"internal"}'>contingencies</a> because it could cost more in the long run if the house has major problems not fixed by the seller upon inspection.</p> <p>Another important consideration in this market is determining how long you plan to stay in the home. People buying their “forever home” have less to fear if the market reverses as they can ride the wave of ups and downs. But buyers who plan on moving in a few years are in a riskier position if the market plummets. That’s why it’s so important to shop at the outset for <a href="https://www.forbes.com/advisor/mortgages/real-estate/how-to-find-a-real-estate-agent/"data-mktp-link='{"clickText":"a realtor","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/mortgages\/real-estate\/how-to-find-a-real-estate-agent\/","clickType":"internal"}'>a realtor</a> and lender who are experienced housing experts in your market of interest and who you trust to give sound advice.</p> <div class="faq-section" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Block"}'> <div class="faq-wrapper"> <h2 class="title">Frequently Asked Questions (FAQs)</h2> <div class="main-faqs"> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"What\u2019s the difference between APR and interest rate?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What’s the difference between APR and interest rate?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>The interest rate is the cost of borrowing money whereas the APR is the yearly cost of borrowing as well as the lender fees and other expenses associated with getting a mortgage.</p> <p>The APR is the total cost of your loan, which is the best number to look at when you’re comparing rate quotes. Some lenders might offer a lower interest rate but their fees are higher than other lenders (with higher rates and lower fees), so you’ll want to compare APR, not just the interest rate. In some cases, the fees can be high enough to cancel out the savings of a low rate.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"When will mortgage rates go down?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">When will mortgage rates go down?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>In April 2024, the Mortgage Bankers Association (MBA) forecast mortgage rates to hit 6.4% this year. However, rates currently average a few basis points above MBA’s forecast. The average weekly mortgage rate reached 6.84% for the week ending November 21, according to Freddie Mac, surging weekly over the course of October and into November but remaining lower than October 2023, when they peaked at 7.79%.</p> <p>The MBA expects rates to hit 5.9% in 2025 and 5.5% in 2026, which home buyers and homeowners haven’t experienced since mid-2022.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"Why are mortgage rates so high?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Why are mortgage rates so high?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Mortgage rates are so high due to a number of economic factors. Supply chain shortages related to the pandemic and Russia’s war on Ukraine caused inflation to shoot up in 2021 and 2022. A resilient economy and robust job market also drive inflation higher and increase demand for mortgages.</p> <p>When inflation increases, the U.S. Federal Reserve raises its interest rate target for overnight lending between banks, and interest rates throughout the financial sector typically follow suit. From March 2022 to July 2023, the Fed raised its policy rate 11 times, leading to a surge in mortgage rates. A change in demand for 10-year Treasury bonds and mortgage-backed securities also contributed to 2023’s higher rates.</p> <p>However, on September 18, the Federal Reserve cut the benchmark rate by 50 basis points for the first time in four years. Expect to see lower mortgage rates as we move toward 2025.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"When should you lock in your mortgage rate?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">When should you lock in your mortgage rate?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>When you receive a mortgage loan offer, a lender will usually ask if you want to lock in the rate for a period of time or float the rate. If you lock it in, the rate should be preserved as long as your loan closes before the lock expires.</p> <p>If you don’t lock in right away, a mortgage lender might give you a period of time—such as 30 days—to request a lock, or you might be able to wait until just before closing on the home.</p> <p>Once you find a rate that is an ideal fit for your budget, it’s best to lock in the rate as soon as possible, especially when mortgage rates are predicted to increase. While it’s not certain whether a rate will go up or down between weeks, it can sometimes take several weeks to months to close your loan.</p> <p>If you don’t lock in your rate, rising interest rates could force you to make a higher down payment or pay points on your closing agreement in order to lower your interest rate costs.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"How long can you lock in a mortgage rate?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How long can you lock in a mortgage rate?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Most rate locks last 30 to 60 days to give the lender enough time to process the loan. If the lender doesn’t process the loan before the rate lock expires, you’ll need to negotiate a lock extension or accept the current market rate at the time. However, extending the rate lock period up to 90 or 120 days is possible, depending on your lender, but additional costs may apply.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-mktp-misc-click='{"clickText":"What are points on a mortgage rate?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What are points on a mortgage rate?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Mortgage points represent a percentage of an underlying loan amount—one point equals 1% of the loan amount. Mortgage points are a way for the borrower to lower their interest rate on the mortgage by buying points down when they’re initially offered the mortgage.</p> <p>For example, by paying upfront 1% of the total interest to be charged over the life of a loan, borrowers can typically unlock mortgage rates that are about 0.25% lower.</p> <p>It’s important to understand that buying points does not help you build equity in a property—you simply save money on interest.</p> </p></div> </p></div> </p></div> </div> </div> </div> <div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 1px #999,1px 0 #999,0 -1px #999;transition:color .2s}.feedback-rating-box 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Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-mktp-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/cbasile/" title="Caroline Basile" target="_blank" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" alt="Caroline Basile" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/cbasile/" target="_blank" class="authorbio__name" data-mktp-link='{"clickText":"Caroline Basile","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cbasile\/","clickType":"internal"}'> Caroline Basile </a> <div class="authorbio__role">Mortgages and Student Loans Deputy Editor</div> </div> </div> <div class="authorbio__bottom"> <p>Caroline Basile is Forbes Advisor’s student loans and mortgages deputy editor. With experience in both the mortgage industry and as a journalist, she was previously an editor with HousingWire, where she produced daily news and feature stories. She holds a degree in journalism from the University of North Texas. When she’s not working on finance-related content, Caroline enjoys baseball, traveling and going to concerts.</p> </div> </div> </div> <div class="article_published_date"> </div> </div> </div> </div> <div id="advertiser-disclosure-block" class="disclosure-block is-hidden"> <div class="disclosure-block-content"> The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. <b>First</b>, we provide paid placements to advertisers to present their offers. 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preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is 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} /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["myfi_mortgage_refi_elf_seo","read_more_widget","advisor_widgets","cta_builder"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = ["MyFinance"]; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Optimized Header v1', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Caroline Basile', author_role: 'Mortgages and Student Loans Deputy Editor', primary_category: 'Mortgages', secondary_category: '', published_date: 'November 13, 2022', updated_date: 'Jan 3, 2025', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '974bd9b9e6', 'action': 'e2e_logging', }; var data = 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instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? 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10px;content:"";height:0;left:50%;position:absolute;top:-9.5px;-webkit-transform:translateX(-50%);transform:translateX(-50%);width:0;z-index:1}.mkpl-shortcode-instance.default #mkpl-table-scroll{overflow:hidden!important} </style>  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PLP9KFC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div id="consent_blackbar"></div><div id="teconsent"></div><style>#teconsent a{display: flex; justify-content: center; background: linear-gradient(90deg,#fff,#f4f4f4); background-color: #fff; border: 1px solid #ccc; -webkit-border-radius: 5px; border-radius: 5px; bottom: 110px; cursor: pointer; left: -57px; opacity: .7; padding: 3px 2px; z-index: 9999;}</style><ra-author name="Caroline Basile" role="Mortgages and Student Loans Deputy Editor" imageurl="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/caroline-basile-scaled-e1725952198721-88x88.jpg" url="https://www.forbes.com/advisor/author/cbasile/"></ra-author><script type="application/ld+json"> { "@context":"https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "What’s the difference between APR and interest rate?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The interest rate is the cost of borrowing money whereas the APR is the yearly cost of borrowing as well as the lender fees and other expenses associated with getting a mortgage.<\/p>\n<p>The APR is the total cost of your loan, which is the best number to look at when you\u2019re comparing rate quotes. Some lenders might offer a lower interest rate but their fees are higher than other lenders (with higher rates and lower fees), so you\u2019ll want to compare APR, not just the interest rate. In some cases, the fees can be high enough to cancel out the savings of a low rate.<\/p>\n" } },{ "@type": "Question", "name": "When will mortgage rates go down?", "acceptedAnswer": { "@type": "Answer", "text": "<p>In April 2024, the Mortgage Bankers Association (MBA) forecast mortgage rates to hit 6.4% this year. However, rates currently average a few basis points above MBA’s forecast. The average weekly mortgage rate reached 6.84% for the week ending November 21, according to Freddie Mac, surging weekly over the course of October and into November but remaining lower than October 2023, when they peaked at 7.79%.<\/p>\n<p>The MBA expects rates to hit 5.9% in 2025 and 5.5% in 2026, which home buyers and homeowners haven\u2019t experienced since mid-2022.<\/p>\n" } },{ "@type": "Question", "name": "Why are mortgage rates so high?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Mortgage rates are so high due to a number of economic factors. Supply chain shortages related to the pandemic and Russia\u2019s war on Ukraine caused inflation to shoot up in 2021 and 2022. A resilient economy and robust job market also drive inflation higher and increase demand for mortgages.<\/p>\n<p>When inflation increases, the U.S. Federal Reserve raises its interest rate target for overnight lending between banks, and interest rates throughout the financial sector typically follow suit. From March 2022 to July 2023, the Fed raised its policy rate 11 times, leading to a surge in mortgage rates. A change in demand for 10-year Treasury bonds and mortgage-backed securities also contributed to 2023\u2019s higher rates.<\/p>\n<p>However, on September 18, the Federal Reserve cut the benchmark rate by 50 basis points for the first time in four years. Expect to see lower mortgage rates as we move toward 2025.<\/p>\n" } },{ "@type": "Question", "name": "When should you lock in your mortgage rate?", "acceptedAnswer": { "@type": "Answer", "text": "<p>When you receive a mortgage loan offer, a lender will usually ask if you want to lock in the rate for a period of time or float the rate. If you lock it in, the rate should be preserved as long as your loan closes before the lock expires.<\/p>\n<p>If you don\u2019t lock in right away, a mortgage lender might give you a period of time\u2014such as 30 days\u2014to request a lock, or you might be able to wait until just before closing on the home.<\/p>\n<p>Once you find a rate that is an ideal fit for your budget, it\u2019s best to lock in the rate as soon as possible, especially when mortgage rates are predicted to increase. While it\u2019s not certain whether a rate will go up or down between weeks, it can sometimes take several weeks to months to close your loan.<\/p>\n<p>If you don\u2019t lock in your rate, rising interest rates could force you to make a higher down payment or pay points on your closing agreement in order to lower your interest rate costs.<\/p>\n" } },{ "@type": "Question", "name": "How long can you lock in a mortgage rate?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Most rate locks last 30 to 60 days to give the lender enough time to process the loan. If the lender doesn\u2019t process the loan before the rate lock expires, you\u2019ll need to negotiate a lock extension or accept the current market rate at the time. However, extending the rate lock period up to 90 or 120 days is possible, depending on your lender, but additional costs may apply.<\/p>\n" } },{ "@type": "Question", "name": "What are points on a mortgage rate?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Mortgage points represent a percentage of an underlying loan amount\u2014one point equals 1% of the loan amount. Mortgage points are a way for the borrower to lower their interest rate on the mortgage by buying points down when they\u2019re initially offered the mortgage.<\/p>\n<p>For example, by paying upfront 1% of the total interest to be charged over the life of a loan, borrowers can typically unlock mortgage rates that are about 0.25% lower.<\/p>\n<p>It\u2019s important to understand that buying points does not help you build equity in a property\u2014you simply save money on interest.<\/p>\n" } }] } </script><style>.tooltip-tippy{cursor:pointer}.tippy-box>.tippy-arrow:before{height:0;width:0;position:absolute;content:"";border:7px solid 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"ImageObject", "url": "https://i.forbesimg.com/media/assets/forbes_1200x1200.jpg", "width": 1200, "height": 1200 } }, "description": "Here are the average annual percentage rates today on 30-year, 15-year and 5/1 ARM mortgages: <div id="footable_parent_135655" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"> <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="135655" data-filter-delay="1000" aria-label="Compare Current Mortgage Rates" id="footable_135655" data-unique_identifier="ninja_table_unique_id_1182148210_135655" class=" foo-table ninja_footable foo_table_135655 ninja_table_unique_id_1182148210_135655 ui table nt_type_legacy_table fixed striped compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninja_table_search_disabled ninja_table_pro"> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> <col class="ninja_column_2 "> <col class="ninja_column_3 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_loan_term ">Loan term</th><th scope="col" class="ninja_column_1 ninja_clmn_nm_interest_rate ">Interest rate</th><th scope="col" class="ninja_column_2 ninja_clmn_nm_apr ">APR</th><th scope="col" class="ninja_column_3 ninja_clmn_nm_monthly_payments_per_100_k ">Monthly P&I Per $100,000</th></tr> </thead> <tbody> <tr data-row_id="22075" class="ninja_table_row_0 nt_row_id_22075"> <td><strong>30-Year Fixed</strong></td><td>7.22% </td><td>7.12% </td><td>$673</td> </tr> <tr data-row_id="22076" class="ninja_table_row_1 nt_row_id_22076"> <td><strong>15-Year Fixed</strong></td><td>6.33% </td><td>6.27% </td><td>$859</td> </tr> <tr data-row_id="135477" class="ninja_table_row_2 nt_row_id_135477"> <td><strong>30-Year Jumbo</strong></td><td>7.20% </td><td>7.18% </td><td>$677</td> </tr> <tr data-row_id="22078" class="ninja_table_row_3 nt_row_id_22078"> <td colspan="4"><span 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At this time last week, the 30-year fixed was 3.12%. Meanwhile, the average APR on the 15-year fixed mortgage is 2.41%. This same time last week, the 15-year fixed-rate mortgage was at 2.43%. Rates are quoted as annual percentage rate (APR). The average interest rate on the 30-year fixed-rate jumbo mortgage is 3.07%. Last week, the average rate was 3.08%. On a 5/1 ARM, the average rate..." } </script><script>!function(){var e,t={445:function(e,t,o){"use strict";o(96);function r(e,t,o){document.addEventListener(e,(function(e){for(var r=e.target;r&&r!=this;r=r.parentNode)if(r.matches(t)){o.call(r,e);break}}),!1)}window.debounce=function(e,t){var o;return function(){for(var r=arguments.length,n=new Array(r),i=0;i<r;i++)n[i]=arguments[i];o&&clearTimeout(o),o=setTimeout((function(){e.apply(null,n)}),t)}};const n=e=>document.querySelector(e),i=e=>document.querySelectorAll(e),s=function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;return"none"===window.getComputedStyle(e).display?function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;e.style.removeProperty("display");let{display:o}=window.getComputedStyle(e);"none"===o&&(o="block"),e.style.display=o;const 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Compare Current Mortgage Rates Today – Forbes Advisor