Mortgage Rates

Today’s Rates

VA 30 Year Fixed 2.730% 1.00 Point 2.934% APR Jan 10, 2022 apply now Get Your Rate
30 Year Fixed 3.406% 1.00 Point 3.655% APR Jan 10, 2022  apply now Get Your Rate
15 Year Fixed 2.496% 1.00 Point 2.878% APR Jan 10, 2022  apply now Get Your Rate
FHA 30 Year Fixed 2.902% 1.00 Point 3.037% APR Jan 10, 2022  apply now Get Your Rate


Rates are subject to change without notice based on market conditions. Rate/APR and terms may vary based on the creditworthiness of the individual.

Unified Home Loans is dedicated to matching customers with the mortgage that makes the most sense. There is no one-size-fits-all mortgage, and each borrower has a different financial background. That’s why we offer a diverse portfolio of loan products.

Whether you’re purchasing your first home, are self-employed, a high net worth individual, or a property investor, we’ll find the funding that fits your needs.

Even if you were previously denied a loan, didn’t qualify, or weren’t happy with the terms you were offered before, contact us today to put you back on track to close.

We offer the following loan programs:

  • Refinance Loans
  • Conventional Loans
  • Fixed-Rate Mortgages
  • Jumbo Home Loans
  • Hard Money and Private Loans
  • Adjustable-Rate Mortgage (ARM)
  • Home Purchase Loans
  • Renovation Mortgage 203(k)
  • Reverse Mortgages
  • USDA Home Loans
  • VA Home Loans
  • FHA


A mortgage rate is the interest you pay on your loan. It’s included in your monthly payment along with a portion of your remaining principal balance. A lower rate equals a lower monthly payment. Even a 1% difference in rates can mean significant savings overall.

Low mortgage rates mean a lower mortgage payment and less interest paid

Most obvious, low mortgage rates result in a lower monthly payment when buying or refinancing a home.  Here’s an example: Taking out a $400,000 mortgage loan at a 2.875% the principal and interest would run you around $1,659 per month (without taking into account taxes and homeowners insurance, etc).

Lower rate means Less paid in interest over time

On a loan with a rate of 3.875% you’d pay $1,880 per month — that’s a $475 monthly difference which amounts to $172,440 of extra payments over 30 years.

Bigger home-buying budget

When mortgage rates drop, you get more for your money. Let’s say you currently have a rent of $1,800 per month, and you know you need to keep your mortgage payment about the same in order to afford a house.

With today’s lower rates, you could get a $300,000 mortgage loan with a simlar $1,800 payment as your rent. If rates go back up, you could only afford about $230,000. That extra $70,000 could equal an extra bedroom, a better neighborhood or just more space.

The caveats

When interest rates drop, it typically mean more competition when trying to purchase a home.  Better home affordability means more people will try to buy a house instead of renting.

Mortgage rates are volatile and go up and down each day. This fluctuation is caused by various factors, including:

State of the economy

When the economy is strong, rates often go up. When the economy is weak, rates go down. Lenders will also look at economic forecasts and set rates accordingly.

Federal Reserve activity and inflation

The Federal Reserve controls the amount of money flowing through the economy to keep inflation in check. It does this by raising and lowering interest rates and inserting more cash when needed. This promotes economic activity and reduces interest rates.

World Events

What’s happening domestically and internationally can also affect economic impact and investor confidence. Such events often lead to changes in interest rates.

The rate you’ll be offered on your loan is based on these factors, as well as your credit score, loan type/amount, home purchase area, and how much money you can put towards closing costs.