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Updated March 31, 2026

Today's Mortgage Rates

Compare current rates for home purchase and refinance. Lock in your rate today before they change.

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Rate Lock Available

Lock your rate for 60 days with no obligation. Protect yourself from rate increases.

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Product Rate APR Mo. Payment* Trend

30-Year Fixed

6.375%

 6.512% $1,871
-0.125%
Apply

20-Year Fixed

6.125%

 6.298% $2,157
-0.125%
Apply

15-Year Fixed

5.750%

 5.932% $2,491
-0.25%
 Apply

10-Year Fixed

5.625%

 5.856% $3,274
No change
 Apply

7/1 ARM

6.000%

 6.750% $1,799
+0.125%
 Apply

5/1 ARM

5.875%

 6.824% $1,775
No change
 Apply

FHA 30-Year

5.990%

 6.780% $1,796
-0.125%
Apply

VA 30-Year

5.750%

 5.984% $1,751
-0.25%
 Apply

*Monthly payment based on a $300 000 loan amount. Rates are for informational purposes only and subject to change without notice. Last updated March 31, 2026.

Rate Comparison

Fixed vs. Adjustable Rates

Understand the difference and choose the right option for your situation.

Fixed-Rate Mortgage

Predictable payments for the life of your loan

Same rate and payment for the entire term
Protection from rising interest rates
Easier budgeting and financial planning
Available in 10, 15, 20, and 30-year terms
Best for long-term homeowners

Starting at

5.625%

Get Fixed Rate Quote

Adjustable-Rate Mortgage

Lower initial rate that adjusts over time

Lower initial rate than fixed-rate mortgages
Fixed period of 5, 7, or 10 years before adjusting
Rate caps limit how much your rate can increase
Can save money if you plan to sell or refi
Best for short-term homeowners or those expecting income growth

Starting at

5.875%

Get ARM Quote
Rate Lock

How Rate Lock Works

Protect yourself from rate increases while your loan is being processed.

🔍
1

Find Your Rate

Compare today's rates and find the best option for your situation. Our loan officers can help you choose.

🔒
2

Lock It In

Once you find a rate you like, lock it for 30, 45, or 60 days. This protects you if rates go up.

🏠
3

Close & Save

Your locked rate stays the same through closing, even if market rates increase. If rates drop, ask about float-down options.

Ready to Lock Your Rate?

Talk to a mortgage specialist today. Get pre-approved and lock in your rate before it changes.

Apply & Lock Rate Call (858) 900-9578

FAQ

Frequently Asked Questions

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