The mortgage rates shown above are published by the Federal Home Loan Mortgage Corporation (“Freddie Mac”). They reflect average interest rates based on nationwide data. As a result, the rates reflected to not necessarily reflect how rates might differ based on geography, amount of closing costs, and other transaction or underwriting factors. It can generally be assumed that the average rates assume good credit scores (over 720) and a down payment or equity of 20% or more of the value and discount point of zero to 1 point. While the rates shown will provide a good barometer and will reflect trends in rates either up or down; often the actual rates we can offer are lower. In order to get an accurate rate based on your specific circumstances please contact us.