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Current Rates: Get Locked Into A Mortgage Rate Today

We can help lock in that rate today.

Purchase Rates

Interest Rates – is the cost the consumer pays to the mortgage lender to borrow funds over a period of time that is a percentage of the loan amount.

APR – the annual percentage rate is the interest rate plus any fees or charges expressed as a yearly percentage.

Come Take Advantage Of Today’s Lowest Rates Before They Go Up!

Rate Change Daily, Even Hourly! We’ll Help You Lock In The Best Rate At The Best Time.

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Your Credit Score Determines Your Rate

Although any moderate to a high credit score will qualify for conventional loans, you must have excellent credit for the best deal. Your credit score largely determines your interest rate. Therefore, the higher the credit score, the lower the interest rate, up to a point. The opposite is also true. For those with poor credit, FHA loans may be a better option.

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Fixed vs Variable

You should know that we need to consider the interest rate applicable to your classic loan. Indeed, the rate can be fixed or variable. For a fixed-rate loan, the conditions are set in advance upon signing the contract. This way, you will know exactly the total cost of your loan sale financing. For a floating rate loan, the installment amount at the time of signing the contract is less than a fixed rate. The value of the loan varies depending on the current market.

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Factors Influencing Current Rates

There are many attributing components that affect mortgage rates including economic factors such as consumer spending, inflation, stocks and bonds market, unemployment rate, Treasury yields, and The Federal Reserve policies. Overall, to get the BEST rates, your financial history will determine the rate offered to you.

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Our Loan Experts Can Help

Spire Financial brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.



V.I.P. Mortgage, Inc. DBA Spire Financial does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. For state specific licensing, visit V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.

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