Compare Home Loan Rates & Save

Buying a home is one of the biggest financial decisions you’ll ever make and getting the best home loan rate is key to affordability of your new home. At Keyswag Lending, we know how important it is to find the right mortgage with the best rates.

By working with a mortgage broker like Keyswag Lending, you’ll have access to personalised options and rates to save you money over the life of the loan. Explore our loan options to get started today.

Why Home Loan Rates Matter

Home loan rates are more than just numbers – they’re a big part of your total loan cost. The rate you get will determine your monthly mortgage payments and how much interest you pay over the life of the loan.

Two types of home loan rates are fixed-rate mortgages and adjustable-rate mortgages (ARMs). Fixed-rate mortgages have the same interest rate for the life of the loan, perfect for those who like stability.

Use our Loan Rate Calculator to see how different rates will affect your monthly payment and long-term savings.

Factors That Affect Home Loan Rates

Several factors affect your home loan rate. Your credit score, loan term and down payment are just a few of the most important. Lenders assess these factors to determine the risk they’re taking on and adjust their rates accordingly.

• Credit Score: A higher credit score means a lower rate. If you have a good credit history, you’ll get better rates.
• Loan Term: The length of your loan affects the rate. Shorter loans have lower rates, longer loans have higher rates but lower monthly payments.
• Down Payment: A bigger down payment helps you get a better rate as it reduces the lender’s risk.
• ‍Market Conditions: Broader economic factors like inflation and the Federal Reserve’s interest rates can also impact home loan rates.

Check out our Mortgage Calculator to see how these factors work together for you.

How to Shop for the Best Home Loan Rates

Shopping for home loan rates isn’t just about finding the lowest number on paper. You need to evaluate all aspects of the loan, including interest rates, loan terms, fees and closing costs.

Start by getting pre-approved to know exactly how much you can borrow and to lock in a rate before interest rates move. Then compare offers from different lenders, watch out for hidden fees that can impact your overall loan cost.

If you’re a first-time homebuyer or looking for a primary residence loan, our team at Keyswag Lending can help you through the process.

Types of Home Loans

There are many types of home loans to choose from, each suited to different needs and financial situations. The most common are:

• FHA Loans: Great for first-time homebuyers with lower credit scores or smaller down payments.
• VA Loans: For military veterans, VA loans offer competitive rates and zero down payment.
• Conventional Loans: For those with good credit scores and can afford a bigger down payment.
• Jumbo Loans: For those looking for loans above the conforming loan limit, jumbo loans offer higher loan amounts with stricter requirements.

At Keyswag Lending, we have loan options for you. Whether you’re refinancing your home, purchasing a new property or looking for a Fix & Flip / New Construction Loan, we’ve got you covered.

How to Get the Best Home Loan Rates

To get the best home loan rates, improve your credit score and save for a bigger down payment. These will reduce the lender’s risk so you’ll get a better rate.Another tip is to consider the loan term.

Before you apply, make sure to get pre-approved to lock in the best rate based on your financial profile. Our Pre-Approval Process is easy to get started.

Not sure what to do? Check out our About Us page to learn more about how we can guide you through the loan process with personalized advice.

Get Started: Your Path to Affordable Homeownership

Finding the best home loan rates can be confusing but with the right tools and guidance you can save thousands over the life of the loan. Our team of experienced mortgage brokers will help you explore all your options, including 0% Interest Business Funding, primary residence loans and more.

Buying your first home in Dallas, refinancing in San Antonio or looking for a loan in Irvine, Keyswag Lending has the right mortgage for you.

Contact us today to start your home loan journey and get the best rates for your situation.