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Learn About Rates And Mortgages

Mortgage Rates FAQ

Get quick answers to some common mortgage rate questions here. If you want more in-depth information.

How are today’s rates calculated?

Today’s rates are based on a set of details called assumptions. They can include the following:

  • A loan amount.

  • Points paid at closing to get a lower interest rate.

  • You’re buying or refinancing a single-family home that’s your primary residence.

  • If refinancing, you’re not taking cash out.

  • Closing costs will be paid up front (not rolled into the loan).

  • Debt-to-income ratio.

  • Credit score.

The closer your own details are to assumptions, the more likely it is you’ll get a similar rate.

When rates change, assumptions can too. And assumptions differ from lender to lender. So it’s a good idea to check assumptions when you’re comparing rates. You can find ours in the dropdown under rates labeled View Legal Disclosures.

Mortgage Calculators

Our Rocket mortgage calculators can help you decide if buying or refinancing a home is right for you. Check them out!

Estimate the prices of homes you can afford and the monthly payments that might come with them.

Discover how much cash you could get from your home’s equity.

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