09/17/2025
MORTGAGE RATES
As of today, September 17, 2025, the average interest rate for a 30-year fixed mortgage is around 6.24% to 6.25%, though this can vary significantly by lender, loan product (fixed, ARM, FHA, VA), and your personal financial qualifications.
For example, a 15-year fixed-rate mortgage might be around 5.125% to 5.47%, with adjustable-rate mortgages (ARMs) having different initial rates.
Sample Mortgage Rates
30-Year Fixed: Around 6.25%
15-Year Fixed: Around 5.125% to 5.47%
5-Year Adjustable-Rate Mortgage (ARM): Around 5.50%
Factors Influencing Your Rate
Credit Score: A higher credit score generally leads to a lower interest rate.
Down Payment: A larger down payment can also result in a lower rate.
Loan-to-Value (LTV) Ratio: This is the amount of money you borrow compared to the value of the home.
Loan Type: Different loan products, such as FHA or VA loans, can have different rates.
Points: Paying for discount points can lower your interest rate.
Lender: Rates can vary from one financial institution to another.
Next Steps
To find the best mortgage rate for your situation, you should: CALL ME,
Tracey Dodson
Real Estate Agent
678-687-6400
[email protected]