Hostetler Financial
A Financial Services Company
Today's Rates
Today's Par Interest Rates: (
arrows indicate change from previous update)
Rates are pulled from hundreds of lenders to find the best interest rate out there for you.
Waiting for a rate? Click here
If you are ever interested in a rate better than our par rates shown below, you can buy down to the rate you would like using cash and/or equity. The only time I recommend doing this is if you will be in your house for a minimum of 2 more years.
Primary Residence, Normal Refinance with Appraisal
Loan Type Rate *
Conventional 30 Year Fixed: 4.875%
Conventional 15 Year/ 10 Year Fixed: 4.250%
Conventional 20 Year Fixed: 4.875%
Conventional 30 Year Fixed, Interest Only: 5.750%
FHA 30 Year Fixed: 5.000%
3 Year ARM, Principal & Interest: 4.625%
5 Year ARM, Principal & Interest: 4.500%
3 Year ARM, Interest Only: 4.750%
5 Year ARM, Interest Only: 4.625%
Primary Residence, Fannie Mae RefiPLUS Program DETAILS
No initial appraisal is required unless upon Fannie Mae request. 100% LTV/ NO MAX CLTV!
Loan Type Rate *
Conventional 30 Year Fixed: 4.875%
Conventional 20 Year Fixed: 4.875%
Conventional 15 Year Fixed: 4.375%
Primary Residence, Freddie Mac OpenAccess Program DETAILS
100% LTV/ NO MAX CLTV!
Loan Type Rate *
Conventional 30 Year Fixed: 5.000%
Conventional 20 Year Fixed: 4.875%
Conventional 15 Year Fixed: 4.500%
Investment Property
Minimum credit score of 720, and 30% down payment required on all investment loans at this time.
Loan Type with Appraisal Rate *
Conventional 30 Year Fixed:
Loan Amount $50,000 and below 5.500%
Loan Amount $50,001 - $99,999 5.500%
Loan Amount $100,000 - $174,999 5.375%
Loan Amount $175,000 and above 5.250%
Contact us for additional mortgage types on investment properties.
* Your qualifying interest rate will depend on credit score, the loan to value on your house, your type of home (townhomes and condos will sometimes have a hit) and whether or not your loan is considered 'cash-out.' Your loan would be cash out if you are paying off debt, pulling out cash, or have a 2nd mortgage that was opened after you purchased your home. See our rate tracker page for details that determine interest rates.
Apply today and find out your current interest rate!!
Build your credit score! The best suggestion we have for you to achieve your best possible credit score is to take a look at the balances you are carrying on your credit cards. The closer to your limit on that particular card is going to hurt your credit score. We suggest to carry all of your balances on your credit cards at 40% or less of the limit. For example, on a $10,000 limit on a credit card, do not have more than $4,000 charged on that card. So if you can spread out your balances throughout all your cards to achieve that, believe it or not, you will have a higher credit score even though you owe the same amount of money in total. If you would like to ask us questions about your credit and how to achieve optimum scores, give us a call and we can help you out at no charge!
See our specialized finance articles posted on our tips page!
arrows indicate change from previous update)Rates are pulled from hundreds of lenders to find the best interest rate out there for you.
Waiting for a rate? Click here
If you are ever interested in a rate better than our par rates shown below, you can buy down to the rate you would like using cash and/or equity. The only time I recommend doing this is if you will be in your house for a minimum of 2 more years.
Primary Residence, Normal Refinance with Appraisal
Loan Type Rate *
Conventional 30 Year Fixed: 4.875%
Conventional 15 Year/ 10 Year Fixed: 4.250%
Conventional 20 Year Fixed: 4.875%
Conventional 30 Year Fixed, Interest Only: 5.750%
FHA 30 Year Fixed: 5.000%
3 Year ARM, Principal & Interest: 4.625%
5 Year ARM, Principal & Interest: 4.500%
3 Year ARM, Interest Only: 4.750%
5 Year ARM, Interest Only: 4.625%
Primary Residence, Fannie Mae RefiPLUS Program DETAILS
No initial appraisal is required unless upon Fannie Mae request. 100% LTV/ NO MAX CLTV!
Loan Type Rate *
Conventional 30 Year Fixed: 4.875%
Conventional 20 Year Fixed: 4.875%
Conventional 15 Year Fixed: 4.375%
Primary Residence, Freddie Mac OpenAccess Program DETAILS
100% LTV/ NO MAX CLTV!
Loan Type Rate *
Conventional 30 Year Fixed: 5.000%
Conventional 20 Year Fixed: 4.875%
Conventional 15 Year Fixed: 4.500%
Investment Property
Minimum credit score of 720, and 30% down payment required on all investment loans at this time.
Loan Type with Appraisal Rate *
Conventional 30 Year Fixed:
Loan Amount $50,000 and below 5.500%
Loan Amount $50,001 - $99,999 5.500%
Loan Amount $100,000 - $174,999 5.375%
Loan Amount $175,000 and above 5.250%
Contact us for additional mortgage types on investment properties.
* Your qualifying interest rate will depend on credit score, the loan to value on your house, your type of home (townhomes and condos will sometimes have a hit) and whether or not your loan is considered 'cash-out.' Your loan would be cash out if you are paying off debt, pulling out cash, or have a 2nd mortgage that was opened after you purchased your home. See our rate tracker page for details that determine interest rates.
Apply today and find out your current interest rate!!
Build your credit score! The best suggestion we have for you to achieve your best possible credit score is to take a look at the balances you are carrying on your credit cards. The closer to your limit on that particular card is going to hurt your credit score. We suggest to carry all of your balances on your credit cards at 40% or less of the limit. For example, on a $10,000 limit on a credit card, do not have more than $4,000 charged on that card. So if you can spread out your balances throughout all your cards to achieve that, believe it or not, you will have a higher credit score even though you owe the same amount of money in total. If you would like to ask us questions about your credit and how to achieve optimum scores, give us a call and we can help you out at no charge!
See our specialized finance articles posted on our tips page!