Mortgage rates
Get a rate that's actually yours.
Advertised rates assume a perfect borrower. An accurate rate depends on your details: your credit score, your down payment, the type of property you're buying, your debt-to-income ratio and more. Tell me a little about your situation and I'll send you a personalized quote.
What shapes your rate
Credit score
Higher scores usually earn better pricing.
Down payment or equity
More down can lower your rate and your costs.
Property type
Condos and 2–4 unit homes can price differently than a single-family home.
How you'll use the home
A primary home prices differently than a second home or rental.
Debt-to-income ratio
Your monthly debts compared with your income.
Loan type and term
Conventional, FHA, VA or Jumbo, and 30 years versus 15.
How you document your income
W-2s and tax returns, bank statements, a P&L or assets can each price differently.
This week's national averages
Weekly averages from Freddie Mac's survey of lenders across the country, for context.
Week of October 29, 2026
30-year fixed
7.24%
down 0.08 from last week
15-year fixed
6.60%
down 0.08 from last week
National average rates from the Freddie Mac Primary Mortgage Market Survey®. These are weekly averages for borrowers with strong credit and a 20% down payment. They are not Haven West Mortgage rates and are not an offer to lend. Your rate depends on your credit, down payment, property, loan type and other factors. Source: Freddie Mac
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