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  • Today’s Mortgage Interest Rates

    Mortgage Interest Rates listed below designed to show you about where the market is trending with the current  national average rate, not necessarily the actual rate you may get.

    Your actual interest rate may vary based on many factors, including your personal situation, loan type, credit scores, and closing cost choices. Lower rates available by paying discount points (higher closing costs). Lower closing costs available by taking a higher interest rate.  Refinance rates tend to run higher.

    The ONLY WAY to get a guaranteed rate quote is with a full and complete application. But by answering some basic questions via our “Quick Quote” system, a license professional Loan Officer can review your information for a personalized accurate quote.

    Current National Mortgage Interest Rate Averages as of Thu 19 May 2022


    Get a personalized mortgage interest rate and closing cost quote based on your exact situation.

    No Obligations. No Credit Check, No SSN needed. Just accurate quotes based on your personal situation.

    Purchase Loan Rate Quote Refinance Rate Quote

    Why Don’t We Post Our “Actual Rates”

    There are many reasons, but the biggest is simply that rates can change at any moment, and without knowing your exact situation, you could very easily be looking at a rate that has no bearing whatsoever to what you could get.

    For example, rates vary greatly by loan type, purchase or refinance, credit score, owner occupied home or rental, and many other factors.

    You also have personal choices to select. Do you want a rate with additional points (up-front costs) to buy down the rate, or do you want a no points option?  How about a no lender fee option?

    All of these things effect the interest rate you will get.

    READ The Small Print and Assumptions

    This is where is can get very interesting when looking online at mortgage rates.

    It is extremely common for many lenders to advertise and post lower rates than others. As that really isn’t how mortgage rates work, they typically hide higher fees and points in the small print that most people don’t want to pay.

    These posted low mortgage rates are simply designed to capture your attention and get you to call, only for you to find out the high fees and costs well into the process.

    We don’t play those games.


    Rates above are national average rates provided by a third party web site. Rates provided here as a reference to where averages rates are trending, not necessarily what you would qualify for with Cambria Mortgage.

    This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Rates, points and programs are subject to change without notice and cannot be guaranteed. This is not a guarantee of loan approval. The information here may not be up-to-date and may no longer be accurate.  Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report.


    Remember that Fed rate hikes ARE bad for #mortgagerates, but what is worse is the the reaction early on the speculation and not on the actual rate hikes.

    More that half of property investors think the housing market is overvalued.

    https://www.scotsmanguide.com/browse/content/more-than-half-of-property-investors-think-market-is-overvalued

    Down payment requirements are smaller than you think.
    http://JoeMetzler.com/pre-qual

    #Minneapolis #Minnesota #Wisconsin #FirstTimeHomeBuyer #realestate NMLS 274132

    I have been saying for almost two weeks now, I feel like rates have settled into a comfort zone, and will bounce +/- mid 5's for now. It appears in the short-term, we are no longer at risk of seeing rates continue to march higher into the 6s and beyond. http://JoeMetzler.com/rates

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