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! 🏠
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