These mortgage interest rates assume a few things about you - for example, you have very good credit (a FICO credit score of 740+) and that you're buying a single-family home as your primary residence.

Mortgage discount points are not factored into these rates. If you decide to purchase points at closing, your interest rate may be lower than the rates shown here.

Rate vs. APR The Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. That's why a mortgage APR is typically higher than the interest rate - and why it's such an important number when comparing loan offers.

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