Today's Mortgage Rates

Conventional

Conventional

Conventional

Conventional mortgage loans are ideal for investment property loans or low mortgage payments because

Conventional Mortgage Rate - 3.125% APY** 


You don't need a 20% down payment to qualify for conventional financing.  Mortgage programs with a down payment as low as 3% can help you save on mortgage insurance (MI) costs. 

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**3.153% APR, $330,000 purchase price, 20% down payment, 740 credit score, 30 yr. fixed rate  and $264,000 loan amount. 

  04/03/2020 

FHA

Conventional

Conventional

FHA mortgage loans allow lower credit scores and are great for first-time homebuyers.

FHA Mortgage Rate - 2.75% APY * 


First time home buyer programs such as low down payment options and flexible credit guidelines make this the perfect loan for any home purchase.  

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*4.175% APR, $330,000 purchase price, 3.5% down payment, 700 credit score, 30 yr. fixed rate and $324,022 loan amount. 

04/03/2020

VA

Conventional

VA

VA loans offer zero down payment at low mortgage rates.


VA Mortgage Rate - 2.875% APY*** 


VA loans offer a zero down payment option with no MI.  You've done your part, let us guide you through all the VA mortgage loan benefits you deserve.  Minimum credit score of 620 for 100% financing.  

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***3.063% APR, $330,000 purchase price, 0% down payment, 720 credit score, 30 yr. fixed rate and $337,095 loan amount.   

 04/03/2020 

Mortgage Rates

Competitive Home Lending has access to wholesale mortgage rates through many national lenders.  Get the same mortgage programs through a local mortgage broker offering the best mortgage loans at unbeatable rates.   

Mortgage Loan Programs

FHA

Conventional

Conventional

FHA loans are a popular choice for first-time home buyers.  However, a FHA guaranteed loan can still be a great option for any home-buyer looking for a low down-payment option.  With less stringent credit requirements and flexible income ratios, FHA loans can offer a benefit over conventional financing under the right conditions.  

Conventional

Conventional

Conventional

Fannie Mae and Freddie Mac offer great mortgage financing options.  While they both fall under conventional guidelines, each is slightly different.  Examples of differences are proof of tax return requirements, reserve requirements, down payment retirements, and  even the need for an appraisal.   

VA

Conventional

Purchase Loan

VA guaranteed loans provide an extra assurance to mortgage lenders which allows eligible borrowers to get a competitive mortgage rate.   Little or no down payment purchase options and  simple  refinance Interest Rate Reduction Loans (IRRL) give eligible borrowers access to the best mortgage loans available. 

Purchase Loan

Cash Out - Refinance

Purchase Loan

Shopping for the perfect home can be challenging.  Finding the best mortgage loan should be easy.  Competitive Home Lending has access to many national mortgage lenders and can eliminate mortgage lenders with restrictive lending criteria.  Matching borrowers with the right lender makes the home-buying process simple.   

Refinance

Cash Out - Refinance

Cash Out - Refinance

When it is time to reduce your monthly mortgage payment or accelerate the time it will take to payoff, Competitive Home Lending will help you leverage your financial goals.  When refinancing makes sense, get the most out of your refinance with the best mortgage loan rate.   

Cash Out - Refinance

Cash Out - Refinance

Cash Out - Refinance

If refinancing consumer debt into your mortgage will save you money, then getting the lowest possible rate is priority.  As a mortgage broker, Competitive Home Lending will help you save  the most by finding the lowest wholesale mortgage rate.  Use the same national mortgage lenders but avoid retail mortgage rates.   

Loan Information

Pre-Approval (pdf)

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How Much Can I Afford (pdf)

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Independent Mortgage Broker (pdf)

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Builder's Lender Not Always Best (pdf)

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Elite Pricing (pdf)

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Faster Turn-Times (pdf)

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FHA (pdf)

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VA Loan (pdf)

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10 Things To Do When Buying a Home (pdf)

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6 Things Not To Do (pdf)

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Appraisal Waiver (pdf)

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