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January 21, 2025: Today’s Best Mortgage Rate – Comparison of 30-Year Fixed Rates

01/21/25
in Mortgage Rates Today

Hello from Loaning.ai. We’re here to provide you with the most competitive mortgage options. As of January 21, 2025, here is today’s updated 30-year fixed mortgage rate information.



1. Today’s Best Mortgage Rate: 6.375%

Loaning.ai offers one of the most competitive rates for a 30-year fixed mortgage at 6.375%.

  • APR: 6.509%
  • Points: $2,000.00

This rate is based on the following assumptions:

  • Home Price: $400,000.00
  • Loan Amount: $320,000.00
  • Loan Type: 30-Year Fixed, Level Payment
  • Credit Score (FICO): 740
  • DTI (Debt-to-Income Ratio): 45%
  • LTV (Loan-to-Value): 80%

⚠️ Your actual rate, payment, and costs may vary depending on your full financial situation. This is not a mortgage loan approval or commitment to lend.


2. Recent Rate Trends

Loaning.ai’s 30-Year Fixed Lowest Rate Trends chart highlights mortgage rate fluctuations from December 4, 2024, to January 21, 2025.

  • Our rates have remained consistently competitive, outperforming many major lenders.
  • The current trend shows a slight increase over the past month, but Loaning.ai continues to offer some of the lowest rates in the market.



3. Why Choose Loaning.ai?

At Loaning.ai, we pride ourselves on delivering:

  • Transparent Rate Comparisons: Easily compare rates from top lenders to find the best deal.
  • Customized Solutions: Get mortgage rates tailored to your unique financial situation.
  • Efficient Tools: Explore our interactive tools to calculate payments and assess your options.



Explore Your Options Today!

Click the link below to explore your mortgage options and compare rates:
➡️ Loaning.ai Compare Rates Tool

Let Loaning.ai help you find the best rate for your dream home or investment property! 🏠




Tags: 30YearFixedMortgageLowestMortgageRatesMortgageRateUpdatesToday’s Best RateUSHomeBuyingUSHomeLoans

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