{"id":10374,"date":"2025-06-28T03:02:54","date_gmt":"2025-06-28T03:02:54","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=10374"},"modified":"2026-03-22T01:04:31","modified_gmt":"2026-03-22T01:04:31","slug":"current-mortgage-rates","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/","title":{"rendered":"Current Mortgage Rates"},"content":{"rendered":"<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage rates change frequently based on economic conditions and borrower-specific factors like credit score, income, and loan type.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Knowing the difference between APR vs. interest rate is crucial for accurately comparing mortgage offers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Different loan options, including conventional, FHA, VA, DSCR, and bank statement loans, are designed to meet a variety of financial needs and situations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Locking in your rate at the right time can help you secure a more affordable monthly payment, even if rates fluctuate before closing.<\/span><\/li>\n<\/ul>\n<\/div>\n<h2><span style=\"font-weight: 400;\">What Affects Mortgage Rates?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mortgage rates fluctuate constantly based on a variety of economic variables and the particular rate a borrower qualifies for depends on personal factors. If you\u2019re planning to buy a home, refinance, or invest in property, it\u2019s important to understand the <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/what-affects-mortgage-rates\/\"><span style=\"font-weight: 400;\">factors that affect mortgage rates<\/span><\/a><span style=\"font-weight: 400;\"> so you can better time your loan application and secure a favorable rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a closer look at what impacts the current mortgage rates:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Macroeconomic Factors<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inflation<\/b><span style=\"font-weight: 400;\">: When <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/what-happens-to-house-prices-during-inflation\/\"><span style=\"font-weight: 400;\">inflation rises<\/span><\/a><span style=\"font-weight: 400;\">, mortgage rates tend to follow. Higher inflation erodes the purchasing power of money, so lenders typically raise rates to maintain their returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Federal Reserve Policy<\/b><span style=\"font-weight: 400;\">: Although the Fed doesn\u2019t directly set mortgage rates, its decisions to raise or lower the <\/span><a href=\"https:\/\/www.newyorkfed.org\/markets\/reference-rates\/effr\"><span style=\"font-weight: 400;\">federal funds rate<\/span><\/a><span style=\"font-weight: 400;\"> influence overall borrowing costs across the economy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>U.S. Treasury Yields<\/b><span style=\"font-weight: 400;\">: Mortgage rates often move in tandem with the yield on 10-year Treasury notes. When Treasury yields go up, mortgage rates typically rise as well.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Economic Growth<\/b><span style=\"font-weight: 400;\">: Strong economic indicators, like a growing GDP, often lead to higher rates as demand for loans increases. Conversely, during slowdowns or recessions, rates may drop to encourage borrowing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Employment Data<\/b><span style=\"font-weight: 400;\">: High employment levels can fuel economic growth and inflation, pushing rates higher. Weak job reports often contribute to lower rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Market Stability<\/b><span style=\"font-weight: 400;\">: International events, such as geopolitical tensions or global financial crises, can drive investors toward safer assets like U.S. bonds, indirectly pushing mortgage rates down.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Borrower-Specific Factors<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Score<\/b><span style=\"font-weight: 400;\">: Higher credit scores generally qualify for lower mortgage rates because they signal lower risk to lenders. A lower score may mean higher rates or additional fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt-to-Income (DTI) Ratio<\/b><span style=\"font-weight: 400;\">: Lenders assess your ability to repay the loan based on your monthly debt compared to your income. A lower DTI ratio can lead to better rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Down Payment Amount<\/b><span style=\"font-weight: 400;\">: A larger <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/average-down-payment-on-a-house\/\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\"> reduces lender risk, often resulting in a more favorable rate. Smaller down payments may require private mortgage insurance (PMI), which increases overall costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Type and Amount<\/b><span style=\"font-weight: 400;\">: Different loan programs (conventional, FHA, VA, etc.) have different pricing structures. <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/jumbo-loans\/\"><span style=\"font-weight: 400;\">Jumbo loans<\/span><\/a><span style=\"font-weight: 400;\"> (those above conforming loan limits) often carry slightly higher rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property Type<\/b><span style=\"font-weight: 400;\">: Rates can vary based on whether you\u2019re financing a primary residence, a second home, or an <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/investment-property-loans\/\"><span style=\"font-weight: 400;\">investment property<\/span><\/a><span style=\"font-weight: 400;\">. Investment properties typically have higher rates due to increased risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Term<\/b><span style=\"font-weight: 400;\">: Shorter loan terms (like a 15-year mortgage) usually come with lower rates compared to longer terms (like a 30-year mortgage) because they represent less risk over time.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Today\u2019s Mortgage Rates<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mortgage rates aren&#8217;t one-size-fits-all. Conventional and non-QM mortgage rates can change daily based on the economy, lender guidelines, and the type of loan you choose. It\u2019s important to understand your options, how rates are quoted, and the difference between <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/apr-vs-interest-rate\/\"><span style=\"font-weight: 400;\">APR vs. interest rate <\/span><\/a><span style=\"font-weight: 400;\">when comparing offers. Below you\u2019ll find the current mortgage interest rates for some of our most popular mortgage programs.\u00a0<\/span><\/p>\n<h3><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/conventional-loans\/\"><span style=\"font-weight: 400;\">Conventional Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">Conventional loans are standard mortgages that aren&#8217;t backed by the federal government. They\u2019re ideal for borrowers with strong credit, steady income, and a sizable down payment (though some programs allow as little as 3% down). Conventional loans can be either conforming (within loan limits set by Fannie Mae and Freddie Mac) or non-conforming for higher-priced homes. They typically offer competitive rates and flexible terms for qualified buyers.<\/span><\/p>\n<style>\n.interest-wrapper,.purchase-text-wraper{grid-column-gap:4px;grid-row-gap:4px;display:flex}.rate-tabs .tab{color:#000;background-color:transparent;padding:12px 40px;font-size:16px;font-weight:600;line-height:26px;cursor:pointer}.rate-tabs .tab.active{color:#fff;background-color:#be0c0c;border-radius:48px}.rate-subcategories{display:flex;margin-bottom:30px;justify-content:center;flex-wrap:wrap;gap:10px}.rate-subcategories .subcategory{padding:8px 15px;cursor:pointer;border:1px solid #e8ecf0;border-radius:5px;background-color:#e8ecf0}.customise-button:hover,.rate-subcategories .subcategory.active{color:#fff;background-color:#be0c0c}.purchase_wrapper{transition:.2s;display:flex;width:100%;max-width:100%;height:auto;gap:18px;flex-direction:column;align-items:self-start;border-radius:20px;padding:24px;border:1px solid #0003;justify-content:space-between}.purchase_wrapper:hover{box-shadow:0 10px 40px #0000001a}.purchase-text-wraper{flex-flow:column}.purchase-text{color:#000;letter-spacing:2.4px;text-transform:uppercase;font-size:16px;font-weight:500;line-height:24px}.fixed-text{font-size:18px;font-weight:800;line-height:28px}.centre-wrapper{width:100%;max-width:100%;margin-left:0;display:flex;position:relative}.interest-wrapper{flex-flow:column;justify-content:center;padding-right:24px;position:relative;flex:1}.inerest-text{color:#7d7d7d;font-size:16px;line-height:24px}.rate-card{display:flex;flex-direction:column;justify-content:center;gap:20px;align-items:center;padding:0 12px}.int-text{color:#141313;font-size:18px;font-weight:800;line-height:24px}.vertical_line-rate{color:#e1e1e1;background-color:#e1e1e1;width:2px;height:42px;position:absolute;inset:11% 0% 0% auto}.apr-wrapper,.points-wrapper-rates{grid-column-gap:4px;grid-row-gap:4px;padding-left:24px;padding-right:24px;position:relative;display:flex}.apr-wrapper{flex-flow:column;justify-content:center;align-items:center;flex:1}.points-wrapper-rates{flex-flow:column;justify-content:center;flex:1}.customise-button{height:48px;padding:14px 26px;font-size:16px;background-color:transparent;border:1px solid #be0c0c;color:#be0c0c;border-radius:56px;flex-flow:row;justify-content:center;align-items:center;width:100%;max-width:100%;font-weight:600;line-height:26px;display:flex;text-decoration:none!important;transition:.3s ease-in-out}\n#pricing-grid > div > div.sm\\:tw-flex.tw-flex-col.tw-items-center > div.tw-overflow-x-auto.tw-overflow-y-hidden.scrollbar-none > div { flex-wrap: wrap; }\n<\/style>\n<div id='bb-e8a64'><\/div><script>(function(){function i(){if(window.BB)BB.init('2820859856',document.getElementById('bb-e8a64'),{type:'standalone'})}if(window.BB)i();else{var s=document.createElement('script');s.src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js';s.type='text\/javascript';s.charset='utf-8';s.async=true;s.onload=i;document.head.appendChild(s)}})();<\/script>\n<h3><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/fha-loans\/\"><span style=\"font-weight: 400;\">FHA Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">FHA loans are insured by the Federal Housing Administration and are designed to make homeownership more accessible, especially for first-time buyers or those with lower credit scores. They require a minimum 3.5% down payment and are more forgiving of past credit challenges, although they do include mortgage insurance premiums. FHA loans are a great fit if you need more flexible qualification criteria but are willing to accept slightly higher overall borrowing costs.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div id='bb-8e489'><script>window.BB||document.write(\"<script src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js' type='text\/javascript' charset='utf-8' defer=''><\\\/script>\")<\/script><script>window.addEventListener('DOMContentLoaded', ()=>{BB.init('1402118939',document.getElementById('bb-8e489'),{type:'standalone'});})<\/script><\/div>\n\n<h3><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\"><span style=\"font-weight: 400;\">DSCR Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">DSCR loans (debt service coverage ratio loans) are primarily used by real estate investors. Instead of focusing on the borrower\u2019s income, lenders look at the property\u2019s rental income to determine loan eligibility. A higher DSCR indicates the property generates enough income to comfortably cover the loan payments. These loans allow investors to qualify based on the strength of the investment property rather than personal finances.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div id='bb-734e6'><\/div><script>(function(){function i(){if(window.BB)BB.init('3668140147',document.getElementById('bb-734e6'),{type:'standalone'})}if(window.BB)i();else{var s=document.createElement('script');s.src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js';s.type='text\/javascript';s.charset='utf-8';s.async=true;s.onload=i;document.head.appendChild(s)}})();<\/script>\n<h3><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><span style=\"font-weight: 400;\">Bank Statement Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">Bank statement loans offer an alternative for self-employed borrowers who might not have traditional income documentation like W-2s or tax returns. Instead, lenders review 12\u201324 months of personal or business bank statements to assess income consistency. They are especially helpful for entrepreneurs, freelancers, and gig workers who have strong cash flow but non-traditional earnings patterns.<\/span><\/p>\n<style>\n.interest-wrapper,.purchase-text-wraper{grid-column-gap:4px;grid-row-gap:4px;display:flex}.rate-tabs .tab{color:#000;background-color:transparent;padding:12px 40px;font-size:16px;font-weight:600;line-height:26px;cursor:pointer}.rate-tabs .tab.active{color:#fff;background-color:#be0c0c;border-radius:48px}.rate-subcategories{display:flex;margin-bottom:30px;justify-content:center;flex-wrap:wrap;gap:10px}.rate-subcategories .subcategory{padding:8px 15px;cursor:pointer;border:1px solid #e8ecf0;border-radius:5px;background-color:#e8ecf0}.customise-button:hover,.rate-subcategories .subcategory.active{color:#fff;background-color:#be0c0c}.purchase_wrapper{transition:.2s;display:flex;width:100%;max-width:100%;height:auto;gap:18px;flex-direction:column;align-items:self-start;border-radius:20px;padding:24px;border:1px solid #0003;justify-content:space-between}.purchase_wrapper:hover{box-shadow:0 10px 40px #0000001a}.purchase-text-wraper{flex-flow:column}.purchase-text{color:#000;letter-spacing:2.4px;text-transform:uppercase;font-size:16px;font-weight:500;line-height:24px}.fixed-text{font-size:18px;font-weight:800;line-height:28px}.centre-wrapper{width:100%;max-width:100%;margin-left:0;display:flex;position:relative}.interest-wrapper{flex-flow:column;justify-content:center;padding-right:24px;position:relative;flex:1}.inerest-text{color:#7d7d7d;font-size:16px;line-height:24px}.rate-card{display:flex;flex-direction:column;justify-content:center;gap:20px;align-items:center;padding:0 12px}.int-text{color:#141313;font-size:18px;font-weight:800;line-height:24px}.vertical_line-rate{color:#e1e1e1;background-color:#e1e1e1;width:2px;height:42px;position:absolute;inset:11% 0% 0% auto}.apr-wrapper,.points-wrapper-rates{grid-column-gap:4px;grid-row-gap:4px;padding-left:24px;padding-right:24px;position:relative;display:flex}.apr-wrapper{flex-flow:column;justify-content:center;align-items:center;flex:1}.points-wrapper-rates{flex-flow:column;justify-content:center;flex:1}.customise-button{height:48px;padding:14px 26px;font-size:16px;background-color:transparent;border:1px solid #be0c0c;color:#be0c0c;border-radius:56px;flex-flow:row;justify-content:center;align-items:center;width:100%;max-width:100%;font-weight:600;line-height:26px;display:flex;text-decoration:none!important;transition:.3s ease-in-out}\n#pricing-grid > div > div.sm\\:tw-flex.tw-flex-col.tw-items-center > div.tw-overflow-x-auto.tw-overflow-y-hidden.scrollbar-none > div { flex-wrap: wrap; }\n<\/style>\n<div id='bb-6fec2'><script>window.BB||document.write(\"<script src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js' type='text\/javascript' charset='utf-8' defer=''><\\\/script>\")<\/script><script>window.addEventListener('DOMContentLoaded', ()=>{BB.init('1312868738',document.getElementById('bb-6fec2'),{type:'standalone'});})<\/script><\/div>\n<h3><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/asset-based-loans\/\"><span style=\"font-weight: 400;\">Asset-Based Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">Asset-based loans allow borrowers to qualify based on their assets rather than income. If you have significant savings, investments, or retirement funds, you can use these assets to secure financing without needing to show regular income. These loans are a flexible option for retirees, business owners, or high-net-worth individuals who want to leverage their existing financial strength.<\/span><br \/>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div id='bb-f095c'><\/div><script>(function(){function i(){if(window.BB)BB.init('4257107570',document.getElementById('bb-f095c'),{type:'standalone'})}if(window.BB)i();else{var s=document.createElement('script');s.src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js';s.type='text\/javascript';s.charset='utf-8';s.async=true;s.onload=i;document.head.appendChild(s)}})();<\/script><\/p>\n<h3><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA Loans<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">VA loans are available to eligible veterans, active-duty service members, and certain military spouses. Backed by the Department of Veterans Affairs, these loans offer powerful benefits, including no down payment, no private mortgage insurance (PMI), and competitive rates. VA loans are also more flexible on credit scores and debt ratios, making homeownership more attainable for military families.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    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12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n\n<div id='bb-975e6'><script>window.BB||document.write(\"<script src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js' type='text\/javascript' charset='utf-8' defer=''><\\\/script>\")<\/script><script>window.addEventListener('DOMContentLoaded', ()=>{BB.init('3434869820',document.getElementById('bb-975e6'),{type:'standalone'});})<\/script><\/div>\n<h3><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/6-month-sofr-arm-dscr-loans-for-real-estate-investors\/\"><span style=\"font-weight: 400;\">SOFR Adjustable-Rate Mortgage<\/span><\/a><\/h3>\n<p><span style=\"font-weight: 400;\">SOFR Adjustable-Rate Mortgages (ARMs) are tied to the <\/span><a href=\"https:\/\/www.newyorkfed.org\/markets\/reference-rates\/sofr\"><span style=\"font-weight: 400;\">Secured Overnight Financing Rate<\/span><\/a><span style=\"font-weight: 400;\"> (SOFR), which replaced LIBOR as the standard benchmark. With an ARM, the initial interest rate is typically lower than that of a fixed-rate mortgage but can adjust periodically based on market conditions. When choosing between an <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/adjustable-rate-mortage-vs-fixed-rate-mortgage\/\"><span style=\"font-weight: 400;\">adjustable-rate vs. fixed-rate<\/span><\/a><span style=\"font-weight: 400;\"> mortgage, it\u2019s important to consider how long you plan to keep the loan and your comfort level with potential payment changes over time.<\/span><\/p>\n<p><iframe loading=\"lazy\" style=\"margin: 0 auto;\" src=\"https:\/\/consumer.optimalblue.com\/FeaturedRates?GUID=bbfdd2d2-1c8c-49dc-8945-699c438029f1\" width=\"319px\" height=\"364px\" frameborder=\"0\"><\/iframe><\/p>\n<h2><span style=\"font-weight: 400;\">Lock In Your Rate Today<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mortgage rates are constantly shifting based on economic conditions and personal factors, making it more important than ever to stay informed and act when the time is right. Whether you&#8217;re considering a conventional loan, an FHA loan, or a specialized option like a DSCR or asset-based loan, understanding your choices can help you make the best financial decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Griffin Funding, we make it easy to secure the right mortgage for your needs with competitive rates, flexible loan options, and a simple, streamlined process. Using our <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\">, you can monitor your loan progress, upload documents securely, and stay connected every step of the way, making homeownership more accessible than ever. <a href=\"#popmake-6804\">Contact Griffin Funding today<\/a> and lock in your rate with confidence.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Affects Mortgage Rates? Mortgage rates fluctuate constantly based on a variety of economic variables and the particular rate a borrower qualifies for depends on personal factors. If you\u2019re planning to buy a home, refinance, or invest in property, it\u2019s important to understand the factors that affect mortgage rates so you can better time your<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":10375,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-10374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Current Mortgage Rates | Griffin Funding<\/title>\n<meta name=\"description\" content=\"See current mortgage rates for conventional loans, VA loans, FHA loans, and non-QM loans. 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