Calculate My Interest Rate
Find out what mortgage interest rate you qualify for based on your credit score and financial profile.
Interest Rate Calculator
Calculate your estimated mortgage interest rate
Use our mortgage calculator to estimate your interest rate
Go to Main CalculatorRate Factors
- Credit Score: Most important factor
- Down Payment: 20%+ gets best rates
- Loan Type: Conventional vs FHA/VA
- Market Conditions: Current rates
Credit Score Impact
Excellent (740+)
Best rates available
Good (680-739)
Competitive rates
Fair (620-679)
Higher rates
How to Get the Best Interest Rate
Improve Your Credit Score
Pay bills on time, reduce credit card balances, and avoid new credit applications. Even a 20-point improvement can save thousands.
Make a Larger Down Payment
A 20% down payment eliminates PMI and often qualifies you for better rates. Consider saving longer for a larger down payment.
Shop Multiple Lenders
Compare rates from at least 3-5 lenders. Even small rate differences can save you thousands over the life of your loan.
Calculate Your Interest Rate
Use our mortgage calculator to estimate your interest rate and monthly payments.
Start Calculating