What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

• Get pre-approved for a purchase
• Get pre-approved for a refinance
• Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

• Home loans with as little as 3% down 
• Temporary buydowns to lower your mortgage rate at the start of your loan 
• Down payment assistance from national and state programs 
• Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Not sure if you’re there yet? Take our home readiness quiz now.