Here’s the honest truth:
Those online rate quotes you see? They’re usually… not the whole story.

Most of the time, they’re built to capture your info — not give you the exact rate you’ll actually qualify for.

What REALLY Determines Your Interest Rate

Your personalized rate depends on things like:

• Your credit score
• Loan program (Conventional, FHA, VA, etc.)
• How much you’re putting down
• Your debt-to-income ratio
• Whether the home is a primary, second home, or investment
• Property type (single-family, condo, duplex)
• The market that day — yes, rates literally move throughout the day

All of these pieces matter. Online calculators can’t account for real-life nuance.

Why Online Rates Look Too Good to Be True

Those super-low rates you see online usually assume:

• Perfect credit
• A big down payment
• Zero debt
• Buying a single-family home
• You’re paying discount points upfront

Basically… the “unicorn buyer” profile.

Most real buyers don’t fit that picture — and that’s completely normal.

The Bottom Line

The best interest rate isn’t the one in a banner ad.
It’s the one you actually qualify for based on your situation, goals, and budget.

If you want a real rate quote you can trust — without the games — I’ve got you.