Mortgage and Refinance Rates by State

Alabama Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Alabama Loan Types:

• Alabama conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Alabama FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Alabama VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Alabama Mortgage Rates

Mortgage pricing available in Alabama varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Alaska Mortgage Rates

Relocating to Alaska offers a unique opportunity to embrace a serene and captivating lifestyle amidst breathtaking natural landscapes. With its pristine wilderness, diverse wildlife, and tight-knit communities, Alaska provides a refreshing contrast to urban living, making it an alluring destination for those seeking adventure and tranquility.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Alaska Loan Types:

• Alaska conventional mortgages: Mortgage requirements and rates in Alaska may vary based on your location and financial situation. Conventional mortgages are a popular type of home loan not insured or guaranteed by the federal government. Typically offered by banks and private lenders, these loans often require higher credit scores and down payments compared to government-backed loans, but they provide borrowers with greater flexibility and potentially lower interest rates.
• Alaska FHA loans: These are home loans backed by the Federal Housing Administration and offered throughout the U.S. FHA loans are typically offered to first-time homebuyers and designed for low- to moderate-income borrowers with lower credit scores.
• Alaska VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Alaska Mortgage Rates

Mortgage pricing available in Alaska varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Arizona Mortgage Rates

If you're looking to buy a home in Arizona, you'll be happy to know that there are a variety of loan options available to help you finance your dream home. Arizona is a popular destination for retirees, outdoor enthusiasts, and anyone seeking a warm climate year-round.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Arizona Loan Types:

• Arizona conventional mortgages: Conventional mortgage loans are traditional home loans not backed by the government. They offer flexible terms and rates, and are available from various lenders to qualified borrowers.
• Arizona FHA loans: FHA loans are government-backed mortgages designed to help low- to moderate-income borrowers become homeowners. They offer low down payment requirements and flexible credit score criteria.
• Arizona VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Arizona Mortgage Rates

Mortgage pricing available in Arizona varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Arkansas Mortgage Rates

Common Arkansas Loan Types:

• Arkansas conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Arkansas FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Arkansas VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

California Mortgage Rates

From the vineyards of Napa Valley to the waterfront homes in Manhattan Beach, California is home to some of the most outstanding real estate in the country. Whether you are looking to purchase a property as a place to call home or strictly an investment, everything starts with understanding California mortgage rates and how they will impact that transaction.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common California Loan Types:

• California conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• California FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• California VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare California Mortgage Rates

Mortgage pricing available in California varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Colorado Mortgage Rates

With trendy locations like Boulder, Colorado Springs, and Denver as options, it shouldn't come as a surprise to anyone that the state of Colorado has become a trendy destination for remote workers that can relocate anywhere in the country. If you love the idea of living in the Rockies, you won't have any trouble finding a community you love in Colorado. The only real issue that anyone seems to have with moving to Colorado is that there isn't much inventory on the market.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Colorado Loan Types:

• Colorado conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Colorado FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Colorado VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Colorado Mortgage Rates

Mortgage pricing available in Colorado varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Connecticut Mortgage Rates

Outstanding schools and low crime rates are just two of the many reasons that people choose to live in Connecticut. The mix of urban and rural properties, close proximity to both the beach and New York City, and an abundance of high quality jobs offer even more incentives.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Connecticut Loan Types:

• Connecticut conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Connecticut FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Connecticut VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Connecticut Mortgage Rates

Mortgage pricing available in Connecticut varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Delaware Mortgage Rates

It might be small in size, but the state of Delaware packs a pretty serious punch in terms of the things it can offer to potential homebuyers. In addition to having a rich history, plenty of coastline, and several fabulous beach towns.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Delaware Loan Types:

• Delaware conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Delaware FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Delaware VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Delaware Mortgage Rates

Mortgage pricing available in Delaware varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

District Of Columbia Mortgage Rates

Common District Of Columbia Loan Types:

• District Of Columbia conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• District Of Columbia FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• District Of Columbia VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

Florida Mortgage Rates

With plenty of international airports and dozens of popular vacation destinations, it's easy to see why so many people want to relocate to Florida. When you add that there is no state income tax, life in Florida starts to sound better and better. The biggest question most potential buyers ask at this point is, "How do Florida mortgage rates stack up compared to the rest of the country?"

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Florida Loan Types:

• Florida conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Florida FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Florida VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Florida Mortgage Rates

Mortgage pricing available in Florida varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Georgia Mortgage Rates

From the coast and the mountains on either side of the state to the popular Atlanta area, there is plenty to love about real estate in Georgia. If you are looking to make a purchase anywhere in the Peach State, the first thing you will want to do is keep an eye on current Georgia Mortgage Rates.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Georgia Loan Types:

• Georgia conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Georgia FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Georgia VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Georgia Mortgage Rates

Mortgage pricing available in Georgia varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Hawaii Mortgage Rates

With beautiful weather, the best surfing in the country, and a nearly endless amount of outdoor activities to explore, nothing compares to living in Hawaii. If you are considering relocating to the Aloha State, there is no time like the present! Of course, before you pack up your life and head for the islands, it helps to know what you are getting into, and one of the significant factors to consider is the type of interest rate you can expect to get on a home purchase in Hawaii.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Hawaii Loan Types:

• Hawaii conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Hawaii FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Hawaii VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Hawaii Mortgage Rates

Mortgage pricing available in Hawaii varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Idaho Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Idaho Loan Types:

• Idaho conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Idaho FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Idaho VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Idaho Mortgage Rates

Mortgage pricing available in Idaho varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Illinois Mortgage Rates

From the gorgeous Chicago penthouse once occupied by Oprah Winfrey and the McAllister house from Home Alone to the much more modest former home of President Abraham Lincoln, there is an astounding amount of history in the real estate of Illinois. Whether you are looking for a great place in the city or something a little calmer out in the middle of nowhere, Illinois has plenty of options to see!

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Illinois Loan Types:

• Illinois conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Illinois FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Illinois VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Illinois Mortgage Rates

Mortgage pricing available in Illinois varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Indiana Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Indiana Loan Types:

• Indiana conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Indiana FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Indiana VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Indiana Mortgage Rates

Mortgage pricing available in Indiana varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Iowa Mortgage Rates

With four distinct seasons, an excellent education system, and plenty of wide-open spaces, it isn’t hard to see why people choose to live in the Hawkeye State. Understanding the types of loans available, and how the current interest rates can impact those options, is the key to getting the right mortgage for your new home.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Iowa Loan Types:

• Iowa conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Iowa FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Iowa VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Iowa Mortgage Rates

Mortgage pricing available in Iowa varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Kansas Mortgage Rates

Kansas offers a rich local history, some of the best barbecue in the country, and a low overall cost of living, so it isn’t difficult to understand the appeal of relocating to the Sunflower State. If you are thinking about purchasing a home in Kansas, there are several interesting programs available to help you make the most of your new home. A licensed loan officer can help you find the program that best meets your needs and Freerateupdate.com can help you find a licensed loan officer that serves your community.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Kansas Loan Types:

• Kansas conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Kansas FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Kansas VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Kansas Mortgage Rates

Mortgage pricing available in Kansas varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Kentucky Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Kentucky Loan Types:

• Kentucky conventional mortgages: The most common types of loans in Kentucky are conventional fixed-rate mortgages, which can be for terms of anywhere from 10 to 40 years. In most cases, Kentucky residents can also explore the various adjustable-rate options available.
• Kentucky FHA loans: An FHA mortgage is a home loan backed by the Federal Housing Administration. This insurance allows borrowers without large cash down payments or with lower credit scores to qualify for a mortgage. The insurance does come at a cost in the form of a Mortgage Insurance Premium (MIP). Compare your options at FreeRateUpdate.com.
• Kentucky VA loans: Active duty or retired military members may qualify for a VA Loan. A VA loan is a home mortgage guaranteed by the United States Department of Veterans Affairs (VA). Because of their powerful backing, these loans often come with lower qualifications including a lower down payment.

Program information: FHA (HUD) and VA.gov.

How to Compare Kentucky Mortgage Rates

Mortgage pricing available in Kentucky varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Louisiana Mortgage Rates

They call New Orleans “The Big Easy,” and that attitude tends to apply to most of the state of Louisiana. If you want to relocate to a southern coastal state with beautiful scenery, world-class cuisine, an affordable cost of living, and that famously laid-back attitude, Louisiana should be at the top of your list.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Louisiana Loan Types:

• Louisiana conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Louisiana FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Louisiana VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Louisiana Mortgage Rates

Mortgage pricing available in Louisiana varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Maine Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Maine Loan Types:

• Maine conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Maine FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Maine VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Maine Mortgage Rates

Mortgage pricing available in Maine varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Maryland Mortgage Rates

Whether you are looking for a beach house along the Atlantic coast in Ocean City, something close to the action of Washington D.C. and Baltimore, or a quiet lakehouse around Deep Creek, there are more than a few reasons to be shopping for a home in Maryland. To help you make that home buying adventure go as smooth as possible, let’s break down exactly what you can expect when buying or refinancing a home in the Old Line State.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Maryland Loan Types:

• Maryland conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Maryland FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Maryland VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Maryland Mortgage Rates

Mortgage pricing available in Maryland varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Massachusetts Mortgage Rates

Some of the most iconic sports franchises in the world call Boston home, and there is no shortage of people across the Northeast interested in living in Massachusetts. If you are thinking about relocating to the Bay State, the first step in any home purchase is to check out the local interest rates to help you determine exactly how much house you can afford.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Massachusetts Loan Types:

• Massachusetts conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Massachusetts FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Massachusetts VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Massachusetts Mortgage Rates

Mortgage pricing available in Massachusetts varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Michigan Mortgage Rates

Between the stunning beauty of the Great Lakes, the big city environment around Detroit, and the college town fun of Ann Arbor, there is an awful lot to like about life in the state of Michigan. If you are considering purchasing or refinancing a home anywhere in this beautiful state, let’s take a minute to look at the pros and cons that it has to offer.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Michigan Loan Types:

• Michigan conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Michigan FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Michigan VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Michigan Mortgage Rates

Mortgage pricing available in Michigan varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Minnesota Mortgage Rates

If embracing nature, affordable small-town living, and a thriving artist community are things you value in a community, then buying a home in Minnesota could be a perfect option for you. Those homes might even come in at a great price once you factor in the mortgage rates in Minnesota. Let’s take a closer look at what it means to buy a home in the Land of 1,000 Lakes.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Minnesota Loan Types:

• Minnesota conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Minnesota FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Minnesota VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Minnesota Mortgage Rates

Mortgage pricing available in Minnesota varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Mississippi Mortgage Rates

Between the beauty of the Gulf Coast, the southern hospitality across the state, and some of the lowest cost of living numbers in the entire country, it is easy to see why the people who call Mississippi home believe it might be the best-kept secret in the whole country.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Mississippi Loan Types:

• Mississippi conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Mississippi FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Mississippi VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Mississippi Mortgage Rates

Mortgage pricing available in Mississippi varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Missouri Mortgage Rates

When you combine a lower-than-average overall cost of buying a home with some of the stunning scenery available across the state, it is easy to see why Missouri is quickly becoming such a popular destination for homebuyers with the luxury to choose where they live.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Missouri Loan Types:

• Missouri conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Missouri FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Missouri VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Missouri Mortgage Rates

Mortgage pricing available in Missouri varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Montana Mortgage Rates

With its diverse terrain ranging from the Rocky Mountains to the Great Plains, Montana is know for its beauty. The state is also seeing record numbers of people who want to relocate to Big Sky Country. Wide-open spaces are available just about everywhere out here. If you are thinking about looking for a new home anywhere in Montana, here are a few things you will definitely want to know about getting a mortgage for that home.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Montana Loan Types:

• Montana conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Montana FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Montana VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Montana Mortgage Rates

Mortgage pricing available in Montana varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Nebraska Mortgage Rates

Known for being the home of Warren Buffett and lots of farmland, Nebraska offers some beautiful plains right in the heart of the country. Anyone thinking about relocating to the Cornhuskers state will undoubtedly want to know as much as possible about the available mortgage rates and home values.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Nebraska Loan Types:

• Nebraska conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Nebraska FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Nebraska VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Nebraska Mortgage Rates

Mortgage pricing available in Nebraska varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Nevada Mortgage Rates

From the Las Vegas strip up to Lake Tahoe and out to the Hoover Dam, there are many reasons that you might be thinking about moving to Nevada. Before you begin the house-hunting process, let's take a look at the impact that mortgage rates and home values might have on the lifestyle you desire out in the desert.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Nevada Loan Types:

• Nevada conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Nevada FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Nevada VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Nevada Mortgage Rates

Mortgage pricing available in Nevada varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

New Hampshire Mortgage Rates

If you find yourself attracted to the scenery that comes with a classic New England lifestyle but don’t want to break the bank to make it happen, New Hampshire may be the perfect option for your next home. Low crime rates, no state income or sales tax, and close proximity to the entire northeast coast makes New Hampshire a fabulous, yet often overlooked, location for your next home!

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common New Hampshire Loan Types:

• New Hampshire conventional mortgages: Regardless of the type of home you are considering, the most common loan option in New Hampshire is a 15-year or 30-year fixed-rate conventional mortgage. These straightforward products typically require a respectable down payment and solid credit. You can weigh your options using FreeRateUpdate.com.
• New Hampshire FHA loans: FHA mortgages offer loans to consumers that either don't have a large nest egg for a downpayment or cannot qualify for a loan because of a lower credit score. FHA provides insurance to the lender in case of a default. The borrower pays for this insurance, increasing the overall cost of the loan.
• New Hampshire VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare New Hampshire Mortgage Rates

Mortgage pricing available in New Hampshire varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

New Jersey Mortgage Rates

With popular suburbs of New York City and Philadelphia and the popular vacation destination of the Jersey Shore, there is a wide range of potential housing options across the state of New Jersey. With so many popular destinations in such a small geographic location, it should not surprise anyone that New Jersey clocks in as the most densely populated state in the country, which can dramatically inflate the cost of homeownership in the Garden State.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common New Jersey Loan Types:

• New Jersey conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• New Jersey FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• New Jersey VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare New Jersey Mortgage Rates

Mortgage pricing available in New Jersey varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

New Mexico Mortgage Rates

Anyone attracted to warm weather and wide open spaces will want to have New Mexico near the top of their list of ideal destinations. In addition, the average price of a home in New Mexico is significantly lower than the national average. It’s easy to see why “The Land of Enchantment” is such a popular retirement destination. When you factor in the reasonable cost of living, the idea of buying a home in this stunningly beautiful Southwestern state gets even better.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common New Mexico Loan Types:

• New Mexico conventional mortgages: As the most common loan option in New Mexico, conventional mortgages are available with a wide range of options, including different lengths and fixed or variable interest rates. Use FreeRateUpdate.com to find a lender today.
• New Mexico FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• New Mexico VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare New Mexico Mortgage Rates

Mortgage pricing available in New Mexico varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

New York Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common New York Loan Types:

• New York conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• New York FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• New York VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare New York Mortgage Rates

Mortgage pricing available in New York varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

North Carolina Mortgage Rates

From the mountains of Asheville to the beach towns along the Outer Banks, there is a wide range of lifestyle options available across the state of North Carolina. If you are thinking about purchasing or refinancing a home in North Carolina, the biggest question you'll need to address is what type of interest rate you can expect. In most cases, the answer to that question will be very encouraging.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common North Carolina Loan Types:

• North Carolina conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• North Carolina FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• North Carolina VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare North Carolina Mortgage Rates

Mortgage pricing available in North Carolina varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

North Dakota Mortgage Rates

North Dakota is best known for its beautiful outdoor scenery, and residents here also enjoy low crime rates, excellent schools, and a high overall quality of life. But what can you expect when it comes to mortgage rates when buying or refinancing a home in North Dakota?

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common North Dakota Loan Types:

• North Dakota conventional mortgages: North Dakota mortgage requirements and rates differ based on where you live, where you want to live, and your financial situation. Compare mortgage rates on FreeRateUpdate.com and discover which option works best for you.
• North Dakota FHA loans: FHA loans are backed by the Federal Housing Administration. FHA loans are offered with low down payment options and lower minimum credit score limits. However, you are also required to pay mortgage insurance.
• North Dakota VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare North Dakota Mortgage Rates

Mortgage pricing available in North Dakota varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Ohio Mortgage Rates

Ohio doesn't get anywhere near the attention it deserves on a national level. Still, savvy homebuyers across the country are making a point to appreciate all that the Buckeye State has to offer, including everything from world-class healthcare and big-city living to friendly neighbors and sprawling farmland.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Ohio Loan Types:

• Ohio conventional mortgages: Conventional mortgages are available through various lenders across the country. They often come with a fixed interest rate based on the loan's length. The most common types of conventional mortgages are 15-year or 30-year fixed-rate products. You can find a lender using our free tool at FreeRateUpdate.com
• Ohio FHA loans: An FHA mortgage is a home loan insured by the Federal Housing Administration. FHA loans help borrowers with lower credit scores and lower cash available for a downpayment. There is however a cost to the FHA insurance in terms of a Mortgage Insurance Payment (MIP).
• Ohio VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Ohio Mortgage Rates

Mortgage pricing available in Ohio varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Oklahoma Mortgage Rates

With a wide range of nature and history to explore across the state, it isn’t hard to see why Oklahoma is a popular relocation destination for people from all over the country. When you add in the fact that the overall cost of living here typically falls about 16% below the national average, it’s hard to imagine why just about everyone isn’t packing up and moving to the Sooner State.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Oklahoma Loan Types:

• Oklahoma conventional mortgages: Most homebuyers in Oklahoma end up utilizing a conventional mortgage, but there is a wide range of options available for these standard loans, and some factors can vary depending on the location you choose. You can compare mortgage lenders with FreeRateUpdate.com to find the loan that best suits your needs.
• Oklahoma FHA loans: An FHA loan is a mortgage backed by the Federal Housing Administration and offered through approved FHA lenders. These loans typically come with lower down payment and credit score requirements, but require a Mortgage Insurance Premium to pay for the FHA insurance. You can use FreeRateUpdate.com to find a lender in Oklahoma who best meets your needs.
• Oklahoma VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Oklahoma Mortgage Rates

Mortgage pricing available in Oklahoma varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Oregon Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Oregon Loan Types:

• Oregon conventional mortgages: Most home loans across the state of Oregon are conventional mortgages, which are available from a wide range of lenders that you can compare using FreeRateUpdate.com. These loans typically require decent credit and a solid down payment.
• Oregon FHA loans: Loans from FHA approved lenders are a popular option among first-time homebuyers, as they often offer lower down payment requirements and are available to consumers with lower credit scores. The loans are insured by the Federal Housing Administration but they require the payment of a Mortgage Insurance Premium (MIP) adding to their total cost. You can find and compare FHA mortgage lenders using FreeRateUpdate.com.
• Oregon VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Oregon Mortgage Rates

Mortgage pricing available in Oregon varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Pennsylvania Mortgage Rates

With its central location right in the heart of the eastern side of the United States, the industrious city of Pittsburgh and the City of Brotherly Love, Philadelphia; Pennsylvania allows its residents close access to just about anywhere along the east coast while enabling them to enjoy each of the four seasons throughout the year. When it comes to buying a home in Pennsylvania, residents can typically get a fantastic deal compared to many other popular areas of the country. The Keystone State is indeed the location that holds the rest of the country together.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Pennsylvania Loan Types:

• Pennsylvania conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Pennsylvania FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Pennsylvania VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Pennsylvania Mortgage Rates

Mortgage pricing available in Pennsylvania varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Rhode Island Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Rhode Island Loan Types:

• Rhode Island conventional mortgages: Conventional mortgages are the most common type of home loan in Rhode Island. These mortgages typically require a modest down payment, are available at market rates, and require meeting specific qualifications. Aspiring homebuyers can use FreeRateUpdate.com to compare lenders for conventional mortgages in Rhode Island.
• Rhode Island FHA loans: FHA loans are insured by the Federal Housing Authority. They come with the benefit of lower down payment and credit score requirements, which can be very appealing for first-time homebuyers. However, the FHA insurance does require payment of a Mortgage Insurance Premium (MIP). FreeRateUpdate.com can help you compare lenders that offer FHA mortgages in Rhode Island.
• Rhode Island VA loans: VA loans are mortgages offered through traditional lenders and guaranteed by the VA. These loans are available for all retired and active-duty military members, and they typically benefit from eliminating a down payment. FreeRateUpdate.com can help qualified buyers compare VA mortgage lenders in Rhode Island.

Program information: FHA (HUD) and VA.gov.

How to Compare Rhode Island Mortgage Rates

Mortgage pricing available in Rhode Island varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

South Carolina Mortgage Rates

South Carolina offers residents a nearly perfect combination of moderate climate, historical charm, and fabulous vacation destinations. If you are looking for the ideal place to call home, there is no shortage of great houses to choose from in the Palmetto State. South Carolina is also a popular destination for foodies with a fun combination of high-end restaurants, southern-style barbecue, and casual low-country cuisine. Regardless of where you choose to live in South Carolina, you can compare lenders before getting started using FreeRateUpdate.com.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common South Carolina Loan Types:

• South Carolina conventional mortgages: Conventional mortgages make up the majority of South Carolina home loans. They typically involve a significant down payment and require good credit. FreeRateUpdate.com can help you compare conventional mortgage lenders in South Carolina.
• South Carolina FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• South Carolina VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare South Carolina Mortgage Rates

Mortgage pricing available in South Carolina varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

South Dakota Mortgage Rates

Home to the famous Mount Rushmore, Badlands National Park, and Crazy Horse Memorial, South Dakota is one of the most diverse Midwest states. It offers residents picturesque prairie and mountain views, a vibrant and unique culture, a strong local economy, and a growing number of career opportunities across the state. In addition, the average price of a home in South Dakota is significantly lower than the national average.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common South Dakota Loan Types:

• South Dakota conventional mortgages: South Dakota mortgage requirements and rates will fluctuate across the state depending on the area you live, or want to live, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to discover available rates for you.
• South Dakota FHA loans: South Dakota home loans backed by the FHA are typically offered to first-time home buyers. The FHA doesn't directly offer the loan, but you can find one through an FHA-approved lender at FreeRateUpdate.com today. These loans are typically for low to moderate income borrowers with lower credit scores.
• South Dakota VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare South Dakota Mortgage Rates

Mortgage pricing available in South Dakota varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Tennessee Mortgage Rates

Known for its world-class music scene, high-quality whiskey, and enchanting great smoky mountains, Tennessee is a popular destination for homebuyers. Demand for homes in Tennessee is growing, and this southern state's charm has something for everyone.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Tennessee Loan Types:

• Tennessee conventional mortgages: Tennessee mortgage requirements and rates vary across the state. They can differ based on the area you live in, or want to live in, and your current financial situation. Compare mortgage rates on FreeRateUpdate.com to discover the rate that's right for you.
• Tennessee FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Tennessee VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Tennessee Mortgage Rates

Mortgage pricing available in Tennessee varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Texas Mortgage Rates

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Texas Loan Types:

• Texas conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Texas FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Texas VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Texas Mortgage Rates

Mortgage pricing available in Texas varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Utah Mortgage Rates

With stunning natural beauty, low crime rates, and a straightforward tax policy, it’s no surprise that many people view the state of Utah as an ideal relocation destination. However, if you are thinking about picking up and moving to The Beehive State, the most important question on your mind should be whether the local interest rates and home values will make the move worthwhile.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Utah Loan Types:

• Utah conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Utah FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Utah VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Utah Mortgage Rates

Mortgage pricing available in Utah varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Vermont Mortgage Rates

Vermont is known as the “Green Mountain State” due to its lush forests and majestic mountain peaks. It is known across the East Coast for having some of the best hiking, skiing, and other outdoor activities, as well as being the top maple syrup producer in the country. Regardless of where you choose to live in Vermont, you can compare lenders before getting started using FreeRateUpdate.com.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Vermont Loan Types:

• Vermont conventional mortgages: Vermont mortgage requirements and rates will vary across the state and will depend on the area you desire to live in, as well as your personal financial situation. Compare Vermont mortgage rates on FreeRateUpdate.com to discover the rate that's best for you.
• Vermont FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Vermont VA loans: VA loans are great options for active military members and veterans in the state of Vermont. They are backed by the Department of Veterans Affairs to assist former service members in their home-buying process. There is no downpayment for this loan, and they typically have lower interest rates. Find one through a VA-approved lender through FreeRateUpdate.com.

Program information: FHA (HUD) and VA.gov.

How to Compare Vermont Mortgage Rates

Mortgage pricing available in Vermont varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Virginia Mortgage Rates

Everyone has seen the famous t-shirts claiming that “Virginia is for Lovers,” but Virginia is also a fantastic destination for anyone looking to buy a house. From the hustle and bustle around Washington D.C. and the history of Williamsburg on the east side of the state to the relaxing beauty of the Blue Ridge Mountains on the western side of the state, Virginia really does have something to offer just about everyone.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Virginia Loan Types:

• Virginia conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Virginia FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Virginia VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Virginia Mortgage Rates

Mortgage pricing available in Virginia varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Washington Mortgage Rates

Washington is truly a spectacular place to live. It is filled with natural beauty in every direction and is home to 5 breathtaking volcanic peaks. Washington has thriving cities like Seattle, Spokane, and Tacoma, but also boasts plenty of quiet mountain towns for those looking for a more relaxed lifestyle. Regardless of where you are looking to buy a home in Washington, you can compare lenders before getting started using FreeRateUpdate.com.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Washington Loan Types:

• Washington conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Washington FHA loans: An FHA loan is a special type of mortgage that is backed by the Federal Housing Administration. This mortgage is executed through traditional lenders and is targeted towards first time homebuyers. The purpose of these loans is to offer the opportunity of homeownership to consumers who cannot otherwise qualify for a loan. With the FHA insurance, a borrower can get a mortgage with a low down payment and a lower credit score. The insurance does add to the costs of purchasing the home. Compare Washington FHA Lenders on FreeRateUpdate.com to find the right option for you.
• Washington VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Washington Mortgage Rates

Mortgage pricing available in Washington varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

West Virginia Mortgage Rates

West Virginia is known as the “Mountain State” due to its location completely inside the Appalachian Mountain range. It has some of the most rugged terrain in the whole country, meaning anywhere you go in this state will offer picturesque mountain views, flowing rivers, and lush forests. For those with a love for history, you will find countless historical locations, including Civil War battlegrounds, the historic Greenbrier, the record-breaking New River Gorge Bridge, and so much more. West Virginia is a great place for homebuyers, and you can compare lenders before getting started using FreeRateUpdate.com.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common West Virginia Loan Types:

• West Virginia conventional mortgages: Across West Virginia, you will find a wide variety of lenders and rates offered. Rates can vary based on your desired location and your current financial situation. You can compare rates on FreeRateUpdate.com to discover the West Virginia mortgage rate that's right for your unique needs.
• West Virginia FHA loans: Home loans backed by the FHA are offered throughout West Virginia to qualified home buyers. The FHA doesn't offer these loans directly, but you can access one through an FHA-approved lender in West Virginia on FreeRateUpdate.com today. FHA loans are used by first-time homebuyers with lower credit scores and less money available for a down payment. FHA insurance protects the lender but is paid for by the borrower through a charge at settlement and through monthly payments in addition to the mortgage.
• West Virginia VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare West Virginia Mortgage Rates

Mortgage pricing available in West Virginia varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Wisconsin Mortgage Rates

Wisconsin's nickname is America's Dairyland, and it has more cows than any other state. The state is the country's leading dairy producer, and the cheese industry here is world-famous. Along with the strong dairy industry, you will find some of America's most recognized breweries, a strong manufacturing industry, a large lumber industry, great healthcare industries, and some of the most dedicated sports fans in the entire country. Wisconsin is home to the most lakes in the lower 48, and its 15,000+ lakes are a fisherman's paradise. Wisconsin is a great place for homebuyers looking for a great Midwest lifestyle. When searching for a home in Wisconsin, make sure to compare lenders by using FreeRateUpdate.com.

Editorial note: Some state-specific details are temporarily unavailable. The current rate table above is unaffected.

Common Wisconsin Loan Types:

• Wisconsin conventional mortgages: Conventional mortgages are some of the most popular choices for homebuyers, and you can compare lenders using FreeRateUpdate.com. This loan often comes with a fixed interest rate, which can vary across the state. The rate available to you will be determined by your current income, job history and credit history.
• Wisconsin FHA loans: An FHA mortgage in Wisconsin is a loan backed by the Federal Housing Administration. These are offered through select lenders throughout the state and are typically offered to first-time home buyers looking for their first home. FHA Mortgages are best for borrowers with lower credit scores and/or less money available for a down payment. FHA Insurance is paid for by the borrower through both settlement costs and monthly payments. You can compare your options using freerateupdate.com.
• Wisconsin VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.

How to Compare Wisconsin Mortgage Rates

Mortgage pricing available in Wisconsin varies by loan type, lender, borrower profile, property, points, and market timing. Compare rate, APR, points, fees, eligibility, and lock period using the same loan scenario.

Wyoming Mortgage Rates

Common Wyoming Loan Types:

• Wyoming conventional mortgages: Conventional mortgages are made by private lenders without FHA insurance or a VA guaranty. Loan availability, qualifications, down payment, mortgage insurance, rates, and fees depend on the lender, borrower, property, and program.
• Wyoming FHA loans: FHA-insured mortgages are made by FHA-approved lenders and are not limited to first-time buyers. Eligibility and down payment depend on the borrower and property; loan limits and mortgage insurance vary by location and loan details.
• Wyoming VA loans: VA-backed mortgages are made by private lenders for eligible borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment, while entitlement, appraisal, occupancy, funding-fee rules and exemptions, and lender requirements still apply.

Program information: FHA (HUD) and VA.gov.