What this means for you

Rates move daily. The numbers above are national averages — your actual rate depends on credit, down payment, property type, and lender pricing. In Florida and Georgia we work directly with preferred lenders who quote real, locked offers, not teaser rates.

If you're inside 90 days of buying, lock the rate conversation now. If you're 6+ months out, watch the trend lines above and we'll tell you when to move.