Get Access To All Loan Programs & Mortgage Rates

The Loan Trust is one platform offering mortgage rates and loan programs for home buyers and investors. Lenders compete for your business and we find the best rates to offer you in real time.

MORTGAGE RATES

Welcome to the Loan Trust.  We are the premiere source for mortgage rates in the marketplace.  We offer daily updated rates for the largest national banks and lenders in the nation.  With access to over 100 banks and lenders competing for your business, we’re the one stop shop for mortgage loans for home buyers, current home owner’s looking to refinance or investor’s seeking investment loans.  You will find all the different types of mortgage loans available in the marketplace, from first time buyer loans, FHA Loans, Conventional Loans, Conforming Loans, Non-Conforming Loans, Non-QM Loans, Construction Loans, Land Loans, No Doc Loans, Non Warrantable Condo Loans, VA Loans, Jumbo Loans, Super Jumbo Loans, Reverse Mortgages, Home Equity Loans and so much more.  Stay on top of the market with today’s mortgage rates.  

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Mortgage Calculator

Welcome to the best free online website for a mortgage calculator to save money on your home loan today.  Get estimates for your monthly payments with Principal, Interests Private Mortgage Insurance and Taxes.  We offer an amortization schedule for each mortgage payment and to find out if it’s the best time to refinance your mortgage loan in today’s current mortgage market.

mortgage rates
"One platform to find all the mortgage rates competing for your mortgage loan"
Loan Trust

Mortgage Rates

Find the mortgage rates that best suits your needs.  Get access to Fixed Rates, Adjustable Rates, Balloon Mortgages for primary residency, second homes and investment property loans.  It doesn’t matter if it’s a purchase or refinance.  It can be a home equity line of credit, fix and flip loan or a no doc loan.  Whatever, you’re looking for we have it at The Loan Trust with over 100 loan programs available, we’re confident that we can meet your mortgage rate needs on one platform.

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mortgage rates
mortgage rates

Compare mortgage rates

Loan Trust collects mortgage rate information from lenders daily, so consumers have reliable and current data, which is essential in comparing rates and finding the right mortgage for you.

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Todays mortgage rates

Mortgage Lenders nationwide provide weekday mortgage rates to the public and we bring you the most current rates available. Here you can see the latest marketplace average rates for a wide variety of purchase loans. The interest rate table below is updated daily to give you the most current purchase rates when choosing a home loan with the Loan Trust Platform.

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Lender

Interest Rate

APR

Loan Program

NewFi Lending

Quicken Loans

JMAC

Mega Capital Funding

Home Point Financial

PennyMac

PRMG

Freedom Mortgage

Sierra Pacific

Caliber Home Loans

2.750%

2.875%

3.000%

3.125%

3.490%

3.499%

3.750%

3.950%

5.375%

6.250%

2.981%

3.004%

3.046%

3.125%

3.490%

3.499%

3.850%

3.950%

5.375%

6.250%

Fannie Mae 30 Yr Fixed

30-26 Yr Fixed Terms

Conforming 30 Yr Fixed

MEGA Agency 30 Yr Fixed

FNMA 30 Yr Fixed

21-30 Year Fixed

Premier Access 30 Yr

25 – 30 Year Fixed

FNMA 30 Yr Fixed

30 Yr Fixed Rate

 

 

 

Mortgage Loan Types

mortgage rates

Fixed Rate Mortgages

Borrowers who want predictable, stable payments at the same interest rate for the life of the loan. These Rates and payments remain constant or level, despite interest rate changes. This allows budgeting to be is easier since payments stay the same throughout the life of the mortgage loan.

mortgage rates

Adjustable Rate Mortgages

Borrowers who usually don’t plan to stay in a home for more than a few years or are planning for their income to increase in a few years, so they get the advantage of lower upfront interest rates. ARMs offer lower rates and payments early in the loan term. You may qualify for more house because payments are lower (initially). If rates drop, so will your interest rates.

mortgage rates

Conventional Mortgages

Borrowers with strong credit, a stable income and employment history, and a down payment of at least 3 percent. It can be used for a primary home, second home or investment property. Overall borrowing costs tend to be lower than other loan types. There are fewer restrictions on the types of homes you can buy than with government-backed loans. PMI is cancellable once you’ve gained 20 percent equity. Put as little as 3 percent down for agency loans.

mortgage rates

FHA Mortgages

Federal Housing Administration mortgages have flexible lending standards that you can benefit from. They are typically suitable for people whose house payments will be a big chunk of take-home pay. Borrowers with lower credit scores. Homebuyers with small down payments and refinancers with little equity.

mortgage rates

VA Mortgages

Borrowers who are veterans who have low cash savings, less-than-stellar credit or can’t qualify for a conventional loan. VA loans tend to offer the best terms and most flexibility compared to other loan types for military borrowers. You may be able to qualify for 100 percent of the loan with no down payment.

mortgage rates

Jumbo Mortgages

Affluent borrowers purchasing a high-end home who also have good to excellent credit, high incomes and a substantial down payment. This loan type allows a borrow more money to buy a home in an expensive area. Interest rates tend to be competitive with other conventional loans.Down payment of at least 10 to 20 percent is needed. Minimum FICO score of 660, but average is typically 700 or higher. Maximum DTI ratio of 45 percent. Must have significant assets (10 percent of the loan amount) in cash or savings accounts.

Mortgage Rates

Listed below are historical mortgage rates from 1971 up until 2019.  The mortgage rates have been declining to some of the lowest levels in November 2012.

Year of Mortgage Rates

Lowest Mortgage Rate

Highest Mortgage Rate

Average Mortgage Rate

2019

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

1999

1998

1997

1996

1995

1994

1993

1992

1991

1990

1989

1988

1987

1986

1985

1984

1983

1982

1981

1980

1979

1978

1977

1976

1975

1974

1973

1972

1971

3.63%

3.95%

3.78%

3.41%

3.59%

3.80%

3.34%

3.31%

3.91%

4.17%

4.71%

5.10%

5.96%

6.10%

5.53%

5.38%

5.21%

5.93%

6.45%

7.13%

6.74%

6.49%

6.99%

6.94%

7.11%

6.97%

6.74%

7.84%

8.35%

9.56%

9.68%

9.84%

9.03%

9.29%

11.09%

13.14%

12.55%

13.57%

14.80%

12.18%

10.38%

8.98%

8.65%

8.70%

8.80%

8.40%

7.43%

7.23%

7.29%

5.34%

4.94%

4.30%

4.32%

4.09%

4.53%

4.58%

4.08%

5.05%

5.21%

5.59%

6.63%

6.74%

6.80%

6.37%

6.34%

6.44%

7.18%

7.24%

8.64%

8.15%

7.22%

8.18%

8.42%

9.22%

9.25%

8.07%

9.03%

9.75%

10.67%

11.22%

10.77%

11.587%

10.99%

13.29%

14.68%

13.89%

17.66%

18.63%

16.35%

12.90%

10.38%

9.00%

9.10%

9.60%

10.03%

8.85%

7.46%

7.73%

4.25%

4.54%

3.99%

3.65%

3.85%

4.17%

3.98%

3.66%

4.45%

4.69%

5.04%

6.03%

6.34%

6.41%

5.87%

5.84%

5.83%

6.54%

6.97%

8.05%

7.44%

6.94%

7.60%

7.81%

7.93%

8.38%

7.31%

8.39%

9.25%

10.13%

10.32%

10.34%

10.21%

10.19%

12.43%

13.88%

13.24%

16.04%

16.64%

13.74%

11.20%

9.64%

8.85%

8.87%

9.05%

9.19%

8.04%

7.38%

7.54%

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It has never been easier to get approve for a mortgage loan fast!