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Intrest rates
Lenders provide a great deal of guidance, but you make the final decision about whether you're getting the best loan you can get. Part of taking that responsibility involves comparing interest rates. Mortgage interest rates change daily based on a number of national and international economic factors. The current national rate is posted at left on this page. You'll note that last week's and this week's rates are included, indicating whether rates are moving up or down for the week. You can find longer-range forecasts in business newspapers and on Web sites.
Use our calculators to see how easily you can check the effect of different rates. You can see what monthly payments may look like on different loan sizes at different rates. However, the total cost of a mortgage involves more than just the basic interest rate. Origination fees, discount points, other miscellaneous costs, and other terms and conditions may affect the ultimate cost of your mortgage.
When you are comparing different mortgages, do your best to be sure that you're taking into account all the factors that can influence your final costs. The lowest mortgage rate may not necessarily be the best choice. Ask lenders these questions:
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