Compare the best mortgage rates from a licensed broker. Zero points, no hidden fees, real wholesale pricing.
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Big lenders publish "teaser" rates with fine print that makes them impossible to get. We publish real rates for real scenarios.
"Advertised" Rate: Looks Good Until You Read the Fine Print
Who has $200,000 cash lying around on a $500K home?
That's $15,000 upfront on a $500K loan just to "buy" the rate
Only ~20% of Americans have an 800+ score
Paying for TV ads, branch offices, and fat executive bonuses
"The rate you see advertised? You'll never actually get it unless you're putting down nearly half the home's value AND paying $15K+ in points."
What You See is What You Get
Standard down payment most buyers actually put down
The rate you see is the rate you get—no money upfront
Realistic assumption for qualified buyers (we have lower credit options too)
Direct access to 50+ lenders means the best rates, period
"Why pay more? Our rates are published at 0 points and realistic assumptions. This is what real borrowers actually qualify for."
Big Lender "Advertised" Rate
+ 3 points ($15,000)
+ 40% down ($200,000)
Total Upfront: $215,000
LoansByEmmett Rate
+ 0 points ($0)
+ 20% down ($100,000)
Total Upfront: $100,000
You save $115,000 upfront by working with a broker who publishes honest rates.
Even with a slightly higher rate, you'd need to stay in the home 15+ years to "break even" on those points. Most people sell or refinance within 7 years.
Data pulled from competitor websites. See the fine print they don't want you to notice.
| Loan Type | LoansByEmmett | New American Funding | Better.com |
|---|---|---|---|
| 30-Year Fixed | 5.75% 0 points ($0) | 5.625% 3 points ($24,195) | 5.875% 2.25 points ($3,600) |
| FHA 30-Year | 5.375% 0 points ($0) | 5.250% 3 points ($24,195) | 5.625% 2.40 points ($3,847) |
| VA 30-Year | 5.49% 0 points ($0) | 5.250% 3 points ($24,195) | 5.875% 2.25 points ($3,600) |
Zero points. $300K loan, $400K value, 740+ credit, 25% down. What you see is what you get.
Requires 3 discount points = $24,195 upfront to get advertised rate. That's money out of your pocket.
Requires 2+ points = $3,600+ to get advertised rate. Online-only, no personal service.
Competitor rates from newamericanfunding.com and better.com as of Feb 4, 2026. Rates change daily. Our rates assume $300K loan, $400K value, 740+ credit, purchase, 0 points.
No games. No gimmicks. Just real rates from a real broker.
Get a personalized quote for your specific goals. No obligation, no pressure.
Getting the best mortgage rate isn't just about the number—it's about the total cost of your loan.
Many lenders advertise low rates but charge 2-3 "discount points" to get them. Each point is 1% of your loan—on a $400,000 loan, that's $4,000-$12,000 out of your pocket just to get the advertised rate.
Our rates include zero points. What you see is what you actually get. Use our mortgage calculators to see the difference.
As a mortgage broker, we access wholesale rates from 50+ lenders—the same rates big banks pay. We shop for you and pass the savings along, rather than marking up to retail pricing.
Result: Lower rates than going direct. We often beat the rates from the same lenders you'd approach on your own.
The APR (Annual Percentage Rate) tells the true story. It includes the interest rate plus all fees. A 6.0% rate with $8,000 in fees has a higher APR than a 6.125% rate with $0 in fees.
Always compare APR, not just rate. Our rate sheet shows both so you can make informed decisions.
The "best" rate depends on your situation. Buying? Refinancing? Investment property? VA eligible? Each scenario has different optimal loan programs. We help you find the right fit.
20+ years of experience means we know which programs work best for each borrower profile. Explore our first-time buyer or VA loan guides, or learn how ARM rates adjust over time.
Common questions about finding and comparing the best mortgage rates
The best mortgage rates today depend on your loan type, credit score, and down payment. As of April 2026, conventional 30-year rates start around 5.75% with zero points. VA and FHA loans offer rates as low as 5.25%. Our rates update daily—check the tables above for current pricing.
To get the best mortgage rate: 1) Improve your credit score to 740+, 2) Save for at least 20% down to avoid PMI, 3) Compare rates from multiple lenders including brokers, 4) Lock your rate when you find a good one, 5) Work with a broker who offers wholesale rates with zero points rather than retail lenders who markup pricing.
Mortgage rates in 2026 have shown gradual improvement from 2025 highs. The Federal Reserve's policy decisions continue to influence rates. While predicting exact movements is impossible, many economists expect rates to remain relatively stable with potential for modest decreases if inflation continues to cool. The best strategy is to lock in a good rate when you find one.
The interest rate is the cost of borrowing the principal loan amount. The APR (Annual Percentage Rate) includes the interest rate plus other costs like origination fees, points, and mortgage insurance. APR gives you the true cost of the loan and is better for comparing offers from different lenders. Always ask for the APR, not just the rate.
Paying points only makes sense if you plan to keep the loan long enough to recoup the cost. Each point costs 1% of your loan amount and typically reduces your rate by 0.25%. Calculate the break-even point by dividing the point cost by your monthly savings. If you'll move or refinance within 5-7 years, you're usually better off taking a higher rate with zero points.
Mortgage brokers access wholesale rates from dozens of lenders—the same rates that big banks pay. Banks add markup to these wholesale rates before offering them to consumers. Brokers pass wholesale pricing along directly, often resulting in rates 0.125% to 0.375% lower than going direct to a retail lender. Plus, brokers shop multiple options for you.
For the best conventional rates, you'll want a 740+ credit score. Scores between 700-739 still get good rates but may be 0.125% higher. Below 700, rates increase more significantly. VA loans are more forgiving of lower scores. FHA accepts scores as low as 580 with 3.5% down. Check your score before applying and consider improving it if you have time.
Mortgage rates can change multiple times per day based on bond market movements. Major economic news, Federal Reserve announcements, and employment reports can cause significant swings. That's why we update our rate sheet daily and recommend locking your rate quickly once you find one you like. Rates you see today may not be available tomorrow.
Learn how to use mortgage calculators to plan your home purchase like a pro.
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Veterans: Discover why VA loans offer the best rates and terms in the market.