Rate factors we control
Your actual rate depends on several factors that generic rate tables can't account for:
- Credit score — 740+ gets the best rates, every 20-point drop adds cost
- Loan type — VA typically lowest, then conventional, then FHA, then jumbo
- Down payment — more down = better rate
- Loan term — 15-year is typically 0.5% lower than 30-year
- Lock period — 30-day locks vs 60-day locks have different pricing
- Discount points — pay upfront to lower the rate permanently
Why online rate tables are wrong
The rates you see on bank websites and rate aggregators are usually best-case scenarios: 740+ credit, 20% down, conforming loan. They don't reflect your real situation. We give you a real rate quote — not a teaser — based on your actual credit profile, loan type, and target home price.
Get your real rate quote
One phone call gets you a custom rate for your specific situation — no impact to your credit score for a conversation. We'll compare rates across multiple loan programs and show you which one gives you the lowest total cost.
Talk to a Florida loan expert today
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