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America's Rate Trends – Todays Average 

Home / America's Rate Trends – Todays Average

The rates displayed are just the average amongst all of the lenders in the nation. OUR rates are lower than the national average. Please contact us for your personalized rate quote today. 

Assumptions for rates below. 25% down payment, $300,000 loan amount, 740+ credit score, single family, primary residence.

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Popular Loan Options

First Time Homebuyers

For new buyers looking to get their first home, or for buyers who haven't bought a house in the past seven years

Down Payment Assistance

Learn more about our down payment assistance program and how it may benefit you.

Conventional Loan

For those that have good credit, low debt-to-income ratios and can put down a higher down payment.

FHA Loan

Popular for first time homebuyers due to its flexible credit restrictions and minimum 3.5% downpayment option.

Jumbo Loan

For those looking to purchase or refinance properties up to $2.5 million.

Adjustable Rate Mortgage

ARM loans fluctuate with the market after a certain period, this loan may provide introductory low interest rates and caps. After that, the rate may vary depending on the market index. Arms may be good if you plan on selling your home after a few years.

Experience Matters™

Is FHA Streamline Refinance Right for You?

Is FHA Streamline Refinance Right for You?

Nov 05, 2024 P.R.Mortgage

Learn about FHA Streamline Refinance and how it can simplify refinancing for FHA loan holders, offering reduced monthly payments with minimal paperwork.

Continue Reading

Happy Halloween from Prime Rate Mortgage ™

Happy Halloween from Prime Rate Mortgage ™

Oct 31, 2024 P.R.Mortgage

Enjoy treats and friendly service as we help you with all your mortgage needs. Get in touch for spooktacular savings today!

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Should You Buy a Condo Vacation Property?

Should You Buy a Condo Vacation Property?

Oct 29, 2024 P.R.Mortgage

Explore the benefits of buying a condo as a vacation property. Discover how convenience, amenities, location, and financial factors influence this versatile option.

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Stay In The Know Every Step Of The Way

We’re Transparent With Our Process So You Understand What’s Happening All The Time. With Just A Few Questions, You Can See What You’ll Be Pre- Approved For. Right Now. Under No Commitments.

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VA Loan: Stepping Up To House The Brave

Prime Rate Mortgage is proud to offer incredibly low rates and little to no down payment options specifically for veterans. 

More Information about VA Loans

98.2% Pre-Approved To Close Ratio – A pre-approval letter from us means something

All of America’s top lenders under 1 roof - We have nearly every mortgage loan product available on the market

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What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
4.6
50 reviews
Andres Torres Prince
Atziri was great,she gave us updates even before we asked for them,she was on top of everything and helped our client by making his first home purchase a smooth experience
Atziri was great,she gave us updates even before we asked for them,she was on top of everything and helped our client by making his first home purchase a smooth experience

Andres Torres Prince

2 months ago

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Darryl Manuel
Sal made the process of getting my loan a very positive experience! His knowledge of the loan process helped me get prepared and move smoothly through the task. As an unexpected extra, Sal got me a grant to help with my downpayment. I'm very please wit ...
Sal made the process of getting my loan a very positive experience! His knowledge of the loan process helped me get prepared and move smoothly through the task. As an unexpected extra, Sal got me a grant to help with my downpayment. I'm very please with his services!
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Darryl Manuel

4 months ago

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R S
We had the pleasure of working with Atziri Mendoza, a loan officer who played a crucial role in helping us buy our first home. Despite facing numerous obstacles along the way, Atziri displayed exceptional professionalism and expertise by overcoming each c ...
We had the pleasure of working with Atziri Mendoza, a loan officer who played a crucial role in helping us buy our first home. Despite facing numerous obstacles along the way, Atziri displayed exceptional professionalism and expertise by overcoming each challenge with grace and efficiency. Her ability to navigate through the complexities of the home-buying process was impressive. She consistently kept us informed and was always proactive in managing the necessary details, ensuring a smooth transaction. Atziri's dedication and hard work made a significant difference in our experience. We highly recommend her to anyone looking to secure a home loan. Thanks to Atziri, we are now happy homeowners!
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R S

5 months ago

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Jessica Ortiz
Edgar and Sal were the best to work with. They made the process easier for me. They were helpful in the entire process of buying my new home. If I had a question I could call or text and they’d answer. Thanks for everything team. Literally couldn’t have d ...
Edgar and Sal were the best to work with. They made the process easier for me. They were helpful in the entire process of buying my new home. If I had a question I could call or text and they’d answer. Thanks for everything team. Literally couldn’t have done this without you guys!
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Jessica Ortiz

9 months ago

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Janice Rivas
Sal and his team are truly amazing! Knowledgeable and professional, they get the job done. The best lender I've worked with by far. I definitely will be referring them to friends and family.
Sal and his team are truly amazing! Knowledgeable and professional, they get the job done. The best lender I've worked with by far. I definitely will be referring them to friends and family.

Janice Rivas

1 year ago

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George Sfikas
Very knowledgeable and fast! Working with Sal and his team was such an easy seamless great experience!! I would highly recommend to anyone! Excited about my next purchase knowing how great Prime Rate is!!!
Very knowledgeable and fast! Working with Sal and his team was such an easy seamless great experience!! I would highly recommend to anyone! Excited about my next purchase knowing how great Prime Rate is!!!

George Sfikas

1 year ago

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cesar ortega
Salvatore and his team are Very professional he always was very responsive on any questions or concerns I had he answered professional, Completely trustworthy and demonstrate the utmost integrity.
Salvatore and his team are Very professional he always was very responsive on any questions or concerns I had he answered professional, Completely trustworthy and demonstrate the utmost integrity.

cesar ortega

1 year ago

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Anthony De Los Santos
Pleasant and friendly staff that were able to answer all my questions.
Pleasant and friendly staff that were able to answer all my questions.

Anthony De Los Santos

1 year ago

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Maria Carranza
Sal is by far the most knowledgeable person I know in the Mortgage business. I want to thank him for his patience and continuous feedback. We asked a ton of questions, and he had an answer for them & some were not even mortgage-related. He helped us not o ...
Sal is by far the most knowledgeable person I know in the Mortgage business. I want to thank him for his patience and continuous feedback. We asked a ton of questions, and he had an answer for them & some were not even mortgage-related. He helped us not only with the finance aspect of our journey but gave us good insights into the Real Estate world overall. Thank you so much!
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Maria Carranza

1 year ago

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Jessica Liset Ortiz
Muchas gracias Atziri por tu ayuda siempre estuviste disponible en todo momento y siempre estuviste dispuesta ayudarnos con los trámites espero que esta no sea la única vez que nos ayudes espero que sean más veces. Gracias por todo
Muchas gracias Atziri por tu ayuda siempre estuviste disponible en todo momento y siempre estuviste dispuesta ayudarnos con los trámites espero que esta no sea la única vez que nos ayudes espero que sean más veces. Gracias por todo

Jessica Liset Ortiz

1 year ago

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Alfonso Gonzalez
Sal and Karina are great! They answer every question I had. I highly recommended.
Sal and Karina are great! They answer every question I had. I highly recommended.

Alfonso Gonzalez

1 year ago

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Roberto Marquina
Para mi en lo personal Prime Rate Mortgage tiene un buen equipo de trabajo y sobre todo muy amables y atentos en lo que asen muy profecionales muchas gracias Prime Rate..
Para mi en lo personal Prime Rate Mortgage tiene un buen equipo de trabajo y sobre todo muy amables y atentos en lo que asen muy profecionales muchas gracias Prime Rate..

Roberto Marquina

1 year ago

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Tanner T
Really awesome company! As a first time homebuyer it was extremely helpful having someone walk me through every step of the day
Really awesome company! As a first time homebuyer it was extremely helpful having someone walk me through every step of the day

Tanner T

2 years ago

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Rosy Beltran
Excellent Mortgage Company to work with. Professional, knowledgeable, and excellent communication. Highly recommend!
Excellent Mortgage Company to work with. Professional, knowledgeable, and excellent communication. Highly recommend!

Rosy Beltran

2 years ago

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Angelica Vazquez
The most professional process I have encountered. Sal is extremely knowledgeable in many different areas of home financing, he provided me with different options and scenarios that helped me make the most educated decisions. Karina, his assistant could ...
The most professional process I have encountered. Sal is extremely knowledgeable in many different areas of home financing, he provided me with different options and scenarios that helped me make the most educated decisions. Karina, his assistant could not be more supportive and responsive to ensure that the entire process went smoothly. To sum all of this up. What would I do without them?! They are so amazing!!!
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Angelica Vazquez

2 years ago

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Shaquante Berry
My experience working with Sal at prime rate mortgage was wonderful. He was always very responsive via email or text. Made sure any questions or concerns I had he answered them and made sure I understood as well. Very professional and always willing to he ...
My experience working with Sal at prime rate mortgage was wonderful. He was always very responsive via email or text. Made sure any questions or concerns I had he answered them and made sure I understood as well. Very professional and always willing to help. I would definitely use them again In the future!
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Shaquante Berry

2 years ago

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Victoria Almanaseer
Sal and his team were amazing to us! They helped my fiancé and I on our home and were always available!
Sal and his team were amazing to us! They helped my fiancé and I on our home and were always available!

Victoria Almanaseer

3 years ago

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Leticia Enriquez
Made my dreams come true of having my house🙂
Made my dreams come true of having my house🙂

Leticia Enriquez

3 years ago

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Biljana Tesla
I have nothing but amazing things to say about prime rate mortgage. I’m a very nervous person in the first place and then add buying a home. They made all my worries truly go away. All questions were answered in a calm and timely manner. I didn’t feel an ...
I have nothing but amazing things to say about prime rate mortgage. I’m a very nervous person in the first place and then add buying a home. They made all my worries truly go away. All questions were answered in a calm and timely manner. I didn’t feel any pressure as I had with previous lenders. I know exactly everything that was happening every step of the way. At my closing I got my dream home thanks to prime rate mortgage. I’ll never forget that and recommend them to everyone buying a home.
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Biljana Tesla

3 years ago

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Catalina Fernandez
I have recently worked with Salvatore and his team at Prime Rate Mortgage and it was an excellent experience! As a realtor, this is huge! From beginning to end the process was smooth. I would recommend them to anyone. Thank you Salvatore and your team for ...
I have recently worked with Salvatore and his team at Prime Rate Mortgage and it was an excellent experience! As a realtor, this is huge! From beginning to end the process was smooth. I would recommend them to anyone. Thank you Salvatore and your team for a smooth transaction! My client is very pleased with their loan and their new home!
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Catalina Fernandez

3 years ago

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Lexxi1221
Amazing! Everything was done timely and professionally.
Amazing! Everything was done timely and professionally.

Lexxi1221

3 years ago

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Adael Mora
Recently refinanced our home and were extremely satisfied with the work that Prime Rate Mortgage did. Salvatore and his team were great throughout the process. They kept constant communication and were always available if we had any questions. Overall, gr ...
Recently refinanced our home and were extremely satisfied with the work that Prime Rate Mortgage did. Salvatore and his team were great throughout the process. They kept constant communication and were always available if we had any questions. Overall, great experience and great service!!
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Adael Mora

3 years ago

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Rebecca Perta
I worked with Sarah Stanciu. She was very professional, helpful, and prompt! She is also quite knowledgeable in the field of home buying and providing you with the tools needed to get approved for a home including for veterans. If there is a question she ...
I worked with Sarah Stanciu. She was very professional, helpful, and prompt! She is also quite knowledgeable in the field of home buying and providing you with the tools needed to get approved for a home including for veterans. If there is a question she can't answer at the moment, best believe, she will get you that answer promptly! Thank you for the great customer service! UPDATE: September 27, 2019 I purchased my first home/investment property on August 27, 2019 using the VA Loan through Prime Rate Mortgage. I had the pleasure of working directly with Sarah Stanciu and I couldn't have asked for anyone better than her. She walked me through the entire process from the get go, provided me with all the knowledge needed to get my loan. I must have called her about 10 times a week and not once did she ever seem annoyed or frustrated with me. Even while at the closing table she was still fighting for me to the last penny and minute. She worked very hard to ensure I was being taken care of right till the very end when I signed on the dotted line. I'm so very appreciative and grateful for everything Sarah and her team at Prime Rate Mortgage have done for me through the entire process of me purchasing my building!
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Rebecca Perta

5 years ago

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Christina Pappas
Approximately 1 year ago, after renting for way too long I decided to investigate home ownership opportunities. A co-worker recommended me to PRIME RATE MORTGAGE, which was the best decision ever!!! They were so nice, and NOT pushy. They patiently answer ...
Approximately 1 year ago, after renting for way too long I decided to investigate home ownership opportunities. A co-worker recommended me to PRIME RATE MORTGAGE, which was the best decision ever!!! They were so nice, and NOT pushy. They patiently answered all of my concerns, and even provided some honest guidance to get this done. After going through the application process, I was prequalified for a mortgage through them. I soon learned that this initial step was so important, because I next hired a realtor who needed to know what we were truly approved for! We started house hunting and while this whole idea was still very intimidating, I felt so comfortable knowing that they had my back along the way. After being out-bidded several times, they say 3rd times a charm which is true in my case! I finally found the perfect house and even though I think we all lost a little sleep along the way, PRIME RATE MORTGAGE and my realtor, all rode that roller coaster ride with me down to the last detail and simply made it so easy!!! In September, I happily became a new home owner and for around the same cost as renting, we are enjoying the privacy and all the gifts that home ownership includes! Plus, I can finally see my money working for me instead of throwing it away in rent. I will be forever grateful and specifically thank Sal and Lana at Prime Rate Mortgage for their positive and always optimistic outlook, as well as their persistency and determination to get this done! If you are thinking about home ownership, I highly recommend starting by contacting Prime Rate Mortgage ASAP. It’s painless and it can never hurt to know of your potential options! Life is too short!!! It’s now already 6 months later, & I, my kids and my pets, couldn’t be happier! Christina P
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Christina Pappas

5 years ago

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Teesha Johnson
Awesome experience...Sarah is the best!! 😊
Awesome experience...Sarah is the best!! 😊

Teesha Johnson

5 years ago

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Natan Kaplunskiy
excellent company that goes above and beyond for their clients and service partners. I know when I refer my clients to Sarah or Sal they will do whatever is best for the client I know they are in good hands. Its important to use companies you trust in a R ...
excellent company that goes above and beyond for their clients and service partners. I know when I refer my clients to Sarah or Sal they will do whatever is best for the client I know they are in good hands. Its important to use companies you trust in a Realestate transactions I know that Prime rate mortgage can get it closed. If your goal is homeownership then you journey Starts here. Special Shout out to Sarah for doing my own personal loan and doing a fantastic job ! Wooo hoooo !
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Natan Kaplunskiy

6 years ago

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Emma Mendoza
I am a first time home owner and I couldnt be any happier to work with Jason Yech! he always answered any questions and doubts I had about mortgage loans. I never had to wait days for him to respond. I was very nervous but he made the experience easy. e ...
I am a first time home owner and I couldnt be any happier to work with Jason Yech! he always answered any questions and doubts I had about mortgage loans. I never had to wait days for him to respond. I was very nervous but he made the experience easy. even after a couple of bumps, he made sure things got solved. He fought for us to get the best loan and rates. I really recommend his service. He is very knowledgeable and truly cares about his customers, just how he cared about us.
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Emma Mendoza

6 years ago

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Tawana Brown
Great service all the way around! Salvatore and his team are the best at what they do! I am a first time home buyer and I can truly say it was an experience but Sal and Cynthia kept me calm and went above and beyond the call of duty. I closed on my new ...
Great service all the way around! Salvatore and his team are the best at what they do! I am a first time home buyer and I can truly say it was an experience but Sal and Cynthia kept me calm and went above and beyond the call of duty. I closed on my new home without a hitch and the closing was as smooth as butter. Thank you Sal and Cynthia, you guys rock!!!!
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Tawana Brown

6 years ago

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Tabita
If you're looking to become a homeowner, Sarah is the best person to help you get there! She is very knowledgeable and trustworthy and can definitely help you through the smooth process of getting a mortgage loan. I highly recommend Sarah!
If you're looking to become a homeowner, Sarah is the best person to help you get there! She is very knowledgeable and trustworthy and can definitely help you through the smooth process of getting a mortgage loan. I highly recommend Sarah!

Tabita

6 years ago

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TIFFANY TREVINO
I have personally worked with both Sarah Stanciu and Sal from Prime Rate Mortgage. They are both very knowledgeable and are very customer satisfaction oriented. They are both very involved in the community, helping anyone from first time home buyers to ...
I have personally worked with both Sarah Stanciu and Sal from Prime Rate Mortgage. They are both very knowledgeable and are very customer satisfaction oriented. They are both very involved in the community, helping anyone from first time home buyers to seasoned home buyers. I recommend using Sarah and Sal for all of your mortgage service needs.
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TIFFANY TREVINO

7 years ago

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Kelli Rowe
Easy and stress-free refinancing! Friendly and knowledgeable assistance throughout the process. I Highly recommend prime rate mortgage.
Easy and stress-free refinancing! Friendly and knowledgeable assistance throughout the process. I Highly recommend prime rate mortgage.

Kelli Rowe

7 years ago

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Candice Payne
I am Realestate broker and developer, I would recommend sal to all my potential buyers as my preferred lender!!!! Sal is awesome!! I have closed at least 13 deals with him in the last 12 months!!! Very responsive, always answers his phone and emails!! In ...
I am Realestate broker and developer, I would recommend sal to all my potential buyers as my preferred lender!!!! Sal is awesome!! I have closed at least 13 deals with him in the last 12 months!!! Very responsive, always answers his phone and emails!! In this Industry that is very important. Being detailed and going above and beyond to get the deal close is his expertise!!! If you want to make it to the closing table call prime rate mortgage
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Candice Payne

7 years ago

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Lauren Howard
Very pleased with my experience with Prime Rate Mortgage. Needless to say I closed on a home thanks to prime rate mortgage. Even with the hurdles we've come across , they helped get it solved and back on track . Thank you Prime Rate Mortgage!!!!
Very pleased with my experience with Prime Rate Mortgage. Needless to say I closed on a home thanks to prime rate mortgage. Even with the hurdles we've come across , they helped get it solved and back on track . Thank you Prime Rate Mortgage!!!!

Lauren Howard

7 years ago

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LaCora Whitaker
I had the best experience. All questions were answered, promptly. Sal and Cynthia was very pleasant and understanding. I got exactly what I asked for! The process was extremely quick and it wasn't a hassle!
I had the best experience. All questions were answered, promptly. Sal and Cynthia was very pleasant and understanding. I got exactly what I asked for! The process was extremely quick and it wasn't a hassle!

LaCora Whitaker

7 years ago

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Brad Smolenski
I received the best rates, excellent customer service, and they are always available. Responded immediately and worked with me tirelessly to meet my needs. Completely trustworthy and demonstrate the utmost integrity.
I received the best rates, excellent customer service, and they are always available. Responded immediately and worked with me tirelessly to meet my needs. Completely trustworthy and demonstrate the utmost integrity.

Brad Smolenski

7 years ago

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A Mclaurin
My entire experience with prime rate mortgage was nothing short of phenomenal from beginning to end. Having a financial background I assumed the process would be tedious & time consuming. My closing process took less than 60 days. Sal & Cyntia were attent ...
My entire experience with prime rate mortgage was nothing short of phenomenal from beginning to end. Having a financial background I assumed the process would be tedious & time consuming. My closing process took less than 60 days. Sal & Cyntia were attentive and always available for any questions.
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A Mclaurin

7 years ago

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Narcis Oros
Prime Rate is a reliable financial institution that got us a loan to purchase our dream home! Sal and his team were agressive in finding a way to obtain a loan. We recommend their services for refinancing, purchase of a home or investment property. We wil ...
Prime Rate is a reliable financial institution that got us a loan to purchase our dream home! Sal and his team were agressive in finding a way to obtain a loan. We recommend their services for refinancing, purchase of a home or investment property. We will continue to recommend them to our friends and family.
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Narcis Oros

7 years ago

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TONY RAMIREZ
I used Prime rate Mortgage for the refinance of my home. Which was a VA Loan. They were very knowledgeable to what the VA guidelines, and how to proceed with the loan. The process was seamless. i felt that they really focused on communicating with me. The ...
I used Prime rate Mortgage for the refinance of my home. Which was a VA Loan. They were very knowledgeable to what the VA guidelines, and how to proceed with the loan. The process was seamless. i felt that they really focused on communicating with me. They kept me up to date with how the loan was moving along. I would use them again.
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TONY RAMIREZ

7 years ago

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Robert “Rob” Moore
It was a delight working with Prime Rate Mortgage and Sarah Stanciu. Sarah worked tirelessly to secure for financing for our condo. If you are looking for a mortgage I highly recommend Prime Rate and Sarah.
It was a delight working with Prime Rate Mortgage and Sarah Stanciu. Sarah worked tirelessly to secure for financing for our condo. If you are looking for a mortgage I highly recommend Prime Rate and Sarah.

Robert “Rob” Moore

7 years ago

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You Have A Question, We Have an Answer.

Years Of Experience Means Valuable Information On All-Things Mortgaging. Always Get The Right Answers At Your Fingertips.

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Our Locations

California

Karina Angel

Title: Director of Operations
NMLS #2078161

Phone: 262-488-1443
Cell: 262-488-1443

Kenneth Shattuck

Title: Chief Operating Officer
NMLS #289815

Phone: 630-890-3781

Florida

We are licensed in Florida !

To continue please give us a call at 847-892-7600 , or email us at support@primeratemortgage.com .

Karina Angel

Title: Director of Operations
NMLS #2078161

Phone: 262-488-1443
Cell: 262-488-1443

Illinois

Ed Miles

Title: Sr. Mortgage Advisor
NMLS #83110

Phone: 847-343-8979

Karina Angel

Title: Director of Operations
NMLS #2078161

Phone: 262-488-1443
Cell: 262-488-1443

Texas

We are licensed in Texas !

To continue please give us a call at 847-892-7600 , or email us at support@primeratemortgage.com .

Karina Angel

Title: Director of Operations
NMLS #2078161

Phone: 262-488-1443
Cell: 262-488-1443

Wisconsin

We are licensed in Wisconsin !

To continue please give us a call at 847-892-7600 , or email us at support@primeratemortgage.com .

Karina Angel

Title: Director of Operations
NMLS #2078161

Phone: 262-488-1443
Cell: 262-488-1443

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