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Fixed-rate mortgages for 15 and 30-year loans in particular have fallen steadily over the past 30 days. Rates remain low in general.
Mortgage rates will probably stay low for at least a few more months, so you don’t need to rush to take advantage of today’s low rates if you aren’t prepared. But if you are ready to buy or refinance, shop around for lenders to compare their rates.
Ask each lender for a loan estimate. This is an itemized list of fees that helps you compare what you’ll pay from lender to lender. Ideally, you’d choose a lender that charges both a relatively low rate and low fees.
Mortgage rates on Sunday, July 25, 2021
Conventional rates from Money.com; government-backed rates from RedVentures.
Learn more and get offers from multiple lenders »
Rates for conventional mortgages, which you may think of as “regular mortgages,” are currently low. But you can usually get an even better rate with a government-backed mortgage through the FHA or VA, depending on which term length you want. Government mortgages are good options if you’re eligible.
Refinance rates on Sunday, July 25, 2021
Conventional rates from Money.com; government-backed rates from RedVentures.
Compare offers from refinancing lenders »
Adjustable refinance rates…
