Acquiring a property is one of the biggest investments a person can make in a lifetime. This is why it’s really important to understand the current mortgage rates available on the market before making any final home buying decision. Good thing there are some helpful tips you can learn from so your mortgage won’t become a huge debt in the future.

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Featured Rates

FIXED

LenderRateTerm
Mortgage Lendwise RateLendwise

3.40%

5-Year
Mortgage First National Bank RateFirst National Financial

3.59%

4-Year
Mortgage RMG RateRMG Mortgages

3.29%

3-Year
Mortgage Street Capital RateStreet Capital Bank

3.19%

2-Year
Mortgage TD Bank RateTD Bank

3.19%

1-Year

VARIABLE

TermRate
5-Year Variable

2.75%

3-Year Variable

3.35%

OTHER

TypeRate
Line of CreditStarting at

3.00%

Equity LoansStarting at

5.99%

Private MortgagesStarting at

5.99%

Why It’s Important to Consider Mortgage Rates?

In a home’s overall value, mortgage rate is one of the contributing factors. It doesn’t matter if it’s high or low. Even the slightest difference in your mortgage rate can help you make huge savings throughout your loan payment period. And by getting the most ideal rate, you also have the chance to enjoy extra financing coverage in the span of your loan.

Below are some tips when shopping for the best mortgage rate in your area.

Considering the costs involved

Obtaining lower interest rates is essential in finding the best mortgage in your local real estate market. Low rates usually come with higher fees. Therefore, it’s essential to consider these options including closing costs, underwriting fees, and loan origination. You can also check for the pre-payment penalties as well as the cost if you pay the mortgage in advance.  

Working with the best mortgage brokers

Over the years, getting sound advice from mortgage brokers is an essential part of the loan process. These professionals help in finding cheaper mortgage rates while taking advantage of favorable lending conditions. Also, they have contacts from major banks and private lenders, so you can shop for the best and most secured mortgage on the market.

Considering the types of mortgage

Working with a mortgage broker provides you with tips in mortgage types. Generally, you will have to choose between an adjustable rate mortgage and fixed rate mortgage. The first one is the type of loan where interest rates change periodically while the latter applies same rate throughout the entire loan term.

Checking your credit scores

Credit scores matter in getting a mortgage. Basically, a lender will determine the capacity of the borrower to qualify for the loan and how much they should be charged. With a higher credit score, you can enjoy better offers as well as lower mortgage rates.

Getting pre-approval letter

After you choose the mortgage lender you want to work with, it’s also important to obtain your pre-approval letter. This will ensure that you have the income verification, the down payment source, and credit check. In addition, you also need to obtain this letter before zeroing in on your home purchase.

Usually, you can get pre-approved within 120 days prior to purchasing a home. Another tip is to secure the best mortgage rate in advance so you don’t stress yourself when it comes to home hunting. You can shop around and ask for expert tips from a mortgage broker to help you make informed decisions. That will help you in qualifying for the perfect mortgage you need.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

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