Mortgage Rates · 11 states
Advertised rates rarely match what you will actually receive. I shop many lenders for your exact scenario so the number you see is one you can use.
Many lenders compared
No-pressure quotes
Licensed in 11 states
What Moves Your Rate
Your rate depends on the loan program, your credit score, your down payment, the property and how long you lock. Market conditions also move rates from day to day.
I do not post a headline rate here because rates change daily and depend on your profile. A quote tied to your scenario is the number that matters.
Higher scores generally earn better pricing, and small score changes can move your rate.
More equity usually means a lower rate and lower mortgage insurance costs.
Conventional, FHA, VA and USDA loans price differently, as do 15-year and 30-year terms.
A lock protects your rate for a set period while you close. Longer locks can cost more.
How It Works
01
Tell me about your goals, credit range, down payment and the property.
02
I compare pricing across my lender network for your exact scenario.
03
We look at rate, points, fees and monthly payment side by side.
04
You choose the timing. I explain lock options so there are no surprises.
By Program
Every program has its own pricing and mortgage insurance rules. Here is what to expect from each.
Conventional
Pricing improves with higher scores and larger down payments, and mortgage insurance can come off later.
FHA
A low down payment option, with mortgage insurance built into the cost of the loan.
VA
Competitive pricing for eligible borrowers, with no monthly mortgage insurance.
USDA
Low-cost financing for eligible properties and buyers, with income and location limits.
Common Questions
Rates change daily and depend on your profile. A quote tied to your scenario is more useful than a headline number.
I explain exactly what is pulled and when before anything happens, so you stay in control.
A buydown lowers your rate for a set time, or for the life of the loan, in exchange for an upfront cost. My rate buydown calculator shows the tradeoff.
Run Your Numbers
Next Step
Tell me about your scenario and I will compare pricing across many lenders. No pressure and no obligation.
Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.
