Mable Mortgage
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Live mortgage rates from Mable Loans. Customize your scenario and see real options instantly.
Your Scenario
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First Time Homebuyer
What Affects Your Rate?
Credit Score
The single biggest factor. A 760+ score typically qualifies you for the lowest rates available.
Down Payment
20%+ down avoids PMI and often earns a lower rate. FHA loans allow as little as 3.5% down.
Loan Type
Conventional, FHA, VA, and USDA loans all have different rate structures and eligibility.
Loan Term
15-year loans have lower rates than 30-year loans, but higher monthly payments.
Property Type
Primary residence rates are lowest. Investment property and second homes carry a premium.
Market Conditions
The Fed, inflation, and the bond market all move rates daily. Locking early protects you.