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⚠️ Important Disclaimer

These rates below are national average rates for "best execution" purchase loans and do no reflect specific rates offered by Cambria Mortgage. This is not a rate lock or loan offer, your actual rates may vary by credit, equity, property type, loan type, and market conditions. Please contact us for a personalized real-time rate quote.
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National Mortgage Rate Averages

Updated daily from Mortgage News Daily

Mortgage Interest Rates
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Rate Quote Assumptions

Understanding How Rates Are Determined

Mortgage rates vary based on numerous factors. The national averages shown above assume optimal conditions that may not apply to your situation.

  • Credit Score: Rates shown typically assume FICO scores of 740+
  • Loan-to-Value Ratio: Usually based on 80% LTV (20% down payment)
  • Property Type: Typically single-family primary residences
  • Loan Purpose: Purchase loans (refinance rates may differ)
  • Points: Rates may include discount points (prepaid interest)
  • Geographic Location: National averages smooth out regional variations

    • Important: Your actual rate could be higher or lower than these averages. Contact Joe Metzler for a rate quote specific to your financial situation and property details.

    Factors That Affect Your Rate

    • Credit score and history
    • Down payment amount
    • Debt-to-income ratio
    • Loan amount and type
    • Property type and location
    • Loan term (15-year vs 30-year)

    Why Rates Vary by Lender

    • Different lender overhead costs
    • Varied risk appetites
    • Relationship with investors
    • Volume discounts
    • Business model differences
    • Service level variations
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    Don't Rely on National Averages - Get Your Real Rate

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