Mortgage Rates

Mortgage rates move for reasons most buyers never see, and the number you’re quoted depends as much on your credit, loan type, and down payment as it does on the market. This category tracks what’s driving mortgage rates, how lenders set the rate you’re actually offered, and whether locking or floating makes sense for your timeline. You’ll find explanations of APR versus interest rate, discount points, fixed versus adjustable loans, and how refinance rates differ from purchase rates, plus what to compare when you’re shopping lenders.