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 |
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
WHY MORTGAGE RATES MATTER
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

Federal Reserve activity and inflation

World Events
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.