The Rate You See Online Is Not Your Rate
Published averages assume a perfect borrower buying a typical home. Your actual rate is priced on credit, loan-to-value, debt-to-income, occupancy, and program.
What Moves Your Rate
- Credit score tier (740+ wins)
- Down payment / loan-to-value
- Loan program (VA usually lowest)
- Occupancy (primary < second home < investment)
- Lock period
Locking vs Floating
We will be straight with you. Sometimes the smart move is to lock today. Sometimes it's to float into Fed week. We don't guess — we tell you the math.
Call 435-229-9797 for a same-day quote.
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