The Lowest Rates
Mortgage Rates Today
We are proud to offer some of the lowest rates and fees anywhere. If you happen to see a lower rate advertised elsewhere, there is a good chance the lender is charging more in discount points and other fees, and we’d be happy to do an apples to apples comparison for you!
Mortgage Type
Interest Rate
APR
Term
Conventional
5.25%
5.52%
15 yr
Conventional
6.08%
6.24%
30 yr
FHA
5.60%
6.18%
30 yr
VA
5.64%
5.96%
30 yr
USDA
5.64%
6.04%
30 yr
Jumbo
6.55%
6.63%
30 yr
Investment
7.00%
7.15%
30 yr
Last updated 11/21/2024
All advertised rates are fixed rates and are based on the following assumptions: single family residence, owner occupied, $400k loan amounts (except for $850k for jumbo loans), and excellent credit. Down payment assumptions: 20% down for conventional loans, 3.5% down for FHA, and $0 down for VA and USDA. Rates may change without notice and may fluctuate multiple times throughout the day. Posted rates do not constitute an offer to lend.
Client Testimonials
Read what some of our past clients have to say about us.
I am happy to wholeheartedly recommend Shay Wright! He answered all my questions and gave quality mortgage lending advice to my family. I would absolutely use Shay’s services again and have no hesitation recommending him!
Erin Hosford
I worked with Shay Wright to buy my first home and he was genuinely awesome. Shay was great at answering everything I asked and explaining to me how things worked. I shopped around a little for rates and these guys were able to provide me with the best ones.
Tanner Lewis
I recently refinanced with Home Financing Direct. The whole process was great! No surprises, great transparency, and a very simple process from start to finish. I was able to quickly secure a new home loan at an amazing rate! I would definitely work with them again.
Casey Woolley
Interest Rate Quote!
Looking for the lowest interest rate possible? We offer some of the lowest rates and best mortgages anywhere. Simply complete our easy rate quote request to find out what interest rate you qualify for.