Excellent communication and organization throughout loan process.
Taxes and insurance not included in estimate. Based on a $350,000 loan, 80% LTV, 740 credit score, single-family primary residence.
Rates current as of 1:41 AM PT on September 16, 2026.
Every situation is different. These figures are for estimation purposes only and may not reflect the exact terms of your loan. This is not a commitment to lend.
A stronger score can help you qualify for a lower mortgage rate.
Lower debt can help you qualify for better rate options.
Putting more money down can improve your rate.
Conventional, FHA, VA, and Jumbo loans have different rates.
Strong growth pushes rates up; slower growth brings them down.
Rising prices often lead to higher mortgage rates and borrowing costs.
Daily investor activity can move mortgage rates up or down.
Its decisions can influence rates but do not set them directly.
A loanDepot loan officer can look at your situation and tell you which loan type best fits your needs.
Excellent communication and organization throughout loan process.
Refinance “saved our lives financially”; team was responsive, kind, and knowledgeable.
Exceptional experience with professionalism, patience, expertise, and peace of mind.
First-time buyer amazed by professionalism and seamless experience.
Outstanding end-to-end experience with exceptional professionalism and kindness.
Extraordinary service, including personal assistance due to vision limitations.
Approved and clear-to-close in 5 business days after another lender failed.
Exceptional patience and care helping a senior customer understand everything.
Smooth, seamless process with excellent communication and guidance.
Calls it the smoothest and best organized mortgage process ever experienced.
Excellent experience, team went above and beyond, highly recommends loanDepot.
Team described as outstanding, pleasant, and fast throughout process.
Homeownership dream realized through exceptional support, communication, and professionalism.
Tell us a little about your goals, and we’ll help you find a loan that suits your needs.
Questions before you apply? One of our friendly and helpful team members is waiting to assist you.
A mortgage rate is the interest charged on your home loan. It helps determine your monthly mortgage payment and the total amount of interest you’ll pay over the life of the loan.
A mortgage rate lock helps protect your interest rate from market changes while your loan is being processed. The right time to lock depends on your situation, loan timeline, and current market conditions. Your loan officer can help you decide when locking your rate makes the most sense.
Your mortgage rate is influenced by factors such as market conditions, your credit profile, loan amount, down payment, property type, and the loan program you choose. A loan officer can help you understand which factors may affect your available rate options.
Qualifying for a purchase mortgage typically depends on factors such as your credit profile, income, employment history, debt obligations, and available funds for a down payment and closing costs. Loan requirements can vary by program and borrower situation.
The best mortgage rate for you depends on factors such as your credit profile, down payment, loan type, and current market conditions. Maintaining strong credit, managing debt responsibly, and exploring your loan options with a loan officer may help you access more competitive rates.
