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Working with a Envoy mortgage representative can make your home buying process smooth and fun!

Current Rates
See what current rates are today.

Rate Alert
Be notified when rates hit a certain level.

Rate Quote
Get a rate quote from a mortgage professional.

Several Factors Affect Your Mortgage Rate
Learn about all of the different factors that can change the interest rate of a mortgage.

Annual Percentage Rate (APR)
The true cost of the loan to the borrower expressed in the form of a yearly rate.

Lock In Your Interest Rate
What is a rate lock for and why do you need one.

Closing Costs Explained
Closing costs are the actual expenses that the lender incurs in the origination of a new home loan.

Should I Pay Points
A point is an upfront fee that reduces your monthly interest rate and total interest due over the life of the loan.

Mortgage Calculations by Hand
Learn the formulas for calculating interest rates and payments.

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Don't see the rate you want?
REQUEST YOUR RATE
 
Interest Rates
ProgramRatePointsAPR
Conforming Program
30 Year Fixed
4.500%1.0004.604%
20 Year Fixed
4.250%1.0004.392%
15 Year Fixed
3.750%1.0003.929%
Government Program
FHA 30 Year Fixed
4.375%1.0004.479%
Full Rate SheetApply Now
 Current Rates
 Current Rates
Core - Research Market Commentary Brief Friday’s bond market has opened in negative territory with no relevant economic data being posted this morning, erasing a good part of yesterday’s afternoon strength. The stock markets are relatively flat with the Dow up 7 points and the Nasdaq up 1 point. The bond market is currently down 8/32, but due to strength late yesterday we should still see an improvement of approximately .125 of a discount point in this morning’s mortgage pricing.


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 Contact Us | Mortgage Library                                                                              Call  Today: 888-355-3462
 Contact Us | Mortgage Library                                                                              Call  Today: 888-355-3462