Today's Mortgage Rates

Weekly national averages from Freddie Mac, published Thursdays. Updated automatically.

Daily rates by loan type: FHA, VA, jumbo & ARM (Mortgage News Daily)

Did You Know?

Not every bank follows the market rate. We've seen rates several points higher — and lower — than the market average.

That's why we partner with lenders who bring our clients both the highest-quality service and the most competitive rates in the marketplace. It's not uncommon for some of our lenders to come in 0.75%–1% lower than the current "going" rate.

Find Your Fit

Loan Programs

Trying on lenders is like trying on a pair of pants… they all fit everyone differently. Below are the loans our agents specialize in, so you get the best results and a smooth experience, all in one.

Get Matched With a Lender Estimate Your Payment

The Strategy Most Buyers Miss

Rate Buydowns

A buydown lowers your interest rate by paying points up front — and in many deals we negotiate for the seller to cover that cost. It can be permanent (a lower rate for the life of the loan) or temporary (like a 2-1 buydown that steps up over the first years). Same house, same price — a very different monthly payment.

Ask How a Buydown Fits Your Deal

$500,000 home · 20% down · $400,000 loan · 30-year fixed · principal & interest

Without a buydown 6.50% $2,528 / mo $510,178 total interest

With a buydown 4.50% $2,027 / mo $329,627 total interest

You save $502 / month $6,018 / year $180,551 over 30 years

Illustration only. A 2-point reduction is a large buydown; the cost, how long it lasts and whether a seller will pay for it vary by lender and deal.

Conventional

Get rewarded for higher credit scores and low debt-to-income ratios. Depending on how you qualify, you can put down 0%, 1%, 3%, 5%, 10% or 20%+ — lots of great options here.

FHA

Government-insured loans with 3.5% down and more flexible credit guidelines — a common path for first-time buyers.

Veterans & Service Members

VA

For eligible veterans, active-duty and surviving spouses: no down payment, no monthly mortgage insurance and so much more.

Rural Middle Tennessee

USDA

Zero-down financing for eligible homes outside the urban core — a fit for many properties in the counties surrounding Nashville.

Tennessee Buyers

THDA Great Choice

The Tennessee Housing Development Agency’s program for qualifying buyers, with down-payment assistance options. Income and price limits apply.

Luxury & High Balance

Jumbo

For loan amounts above conforming limits — typical in Brentwood, Franklin, Belle Meade and Green Hills price ranges.

Serving Those Who Serve

First Responders, Teachers, Nurses & Doctors

Not every lender offers these programs, but the right ones can help you take advantage of the massive benefits they give a buyer — leveraging your purchasing power when buying a home.

Whatever Your Situation

100+ More Programs

Construction, renovation, self-employed, low credit, no-doc, down-payment assistance and more — there are 100+ other programs you may not even know exist, built to help in almost any situation. Ask us.

Rates shown are national averages for illustration, not a quote or loan offer. Your rate depends on credit, down payment, property and lender. UVH · Unvieled Home is not a lender.