Seeing a rate quote dramatically lower than these averages?
Discount points, higher fees, temporary teaser structures, loan adjustments, limited scenarios, or other terms may explain the difference. Compare the complete loan terms—not only the headline rate.
Buyer resource
Mortgage Calculator
Use our mortgage calculator to estimate your monthly payment based on loan amount, interest rate, term, taxes, insurance, and more.
Plan with clarity. Move forward with confidence.
Estimate only. Not a loan approval or commitment.
Mortgage Calculator
I don't know: Not sure yet? That’s completely normal. FHA may fit a first-time buyer or a buyer with a lower credit score; Conventional often fits moderate-to-high credit; VA is for eligible military borrowers; USDA is for eligible homes and household incomes; Jumbo / Non-QM can help with larger loans or income that does not fit standard guidelines.
Down PaymentMinimum down payment varies by lender and program
Monthly Mortgage InsuranceSelect a program
Select a loan program above to calculate applicable mortgage insurance.
Average Daily Mortgage Rates Nationwide
Reported by Mortgage News Daily (MND) as national average indices—not an advertised loan offer.
Independent national rate information
Mortgage News Daily is an independent third-party source that publishes national averages based on market activity.
Third-party national averages only—not an offer to lend, a rate quote, or terms available from First Coast Mortgage Funding LLC. Figures shown are interest-rate indices, not annual percentage rates (APRs). APR reflects the interest rate plus certain fees and costs and will vary based on the borrower, property, loan amount, term, points, and other transaction-specific factors. Rates and APRs are subject to change without notice. Contact us for information based on your individual circumstances. All loans are subject to credit approval.
What Affects Your Rate?
Credit Score
Higher scores typically qualify for lower rates.
Loan Type
Different loan programs have different rate structures.
Loan Term
Shorter terms usually mean lower rates.
Down Payment
More down may help your rate or eliminate mortgage insurance.
Market Conditions
Rates change daily based on economic and market factors.
Ready to build your mortgage strategy?