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Mortgage Rates
With Mortgage In Action, access all your mortgage options with one call and one application. We help you secure the best fit, whether it's a major bank or private lender.
Claim Today's Exclusive
Mortgage Rates
Access all your mortgage options with one call and one application.
Compare Your Rates
Fixed Rate Mortgage
Find out the current fixed rates available for you.
| Term | Posted Rate | Our Rate |
|---|---|---|
| 1 year | 6.09% | 4.84% |
| 3 year | 6.05% | 3.89% |
| 5 year | 6.09% | 4.04% |
| 7 year | 6.40% | 4.89% |
Variable Rate Mortgage
Explore our competitive variable rate options.
| Term | Posted Rate | Our Rate |
|---|---|---|
| 1 year | 5.99% | 4.24% |
| 3 year | 5.85% | 4.19% |
| 5 year | 5.75% | 4.09% |
| 7 year | 6.10% | 4.85% |
Adjustable Rate Mortgage
Check out our adjustable rate mortgage options for more flexibility.
| Term | Posted Rate | Our Rate |
|---|---|---|
| 1 year | 5.50% | 4.20% |
| 3 year | 5.45% | 4.15% |
| 5 year | 5.60% | 4.25% |
| 7 year | 5.75% | 4.35% |
Current Variable Rate
3.9%
Current Prime Rate
4.45%
What Matters Most to you?
Interest Rate Direction
Payment Flexibility
Payment Stability
Time Horizon to Move
Help me Choose Right Mortgage
Mortgage Rate Decision Factors
Core Decision Factors (Mortgage Rate Type Choice)
| # | Decision Factor | What It Means | Favors |
|---|---|---|---|
| 1 | Interest Rate Outlook | Do you think rates will rise or fall soon? | Fixed vs Variable |
| 2 | Flexibility / Prepayment Freedom | Will you move, refinance, or pay off aggressively? | Open vs Closed |
| 3 | Payment Stability vs Fluctuation | Can you handle changing payments? | Fixed vs Variable / Adjustable |
| 4 | Term Commitment / Staying Horizon | How long are you staying in the home or with this mortgage? | Closed if staying / Open if short-term |
Optional “Nice to Include” Factors (Secondary)
| Factor | Why it matters |
|---|---|
| Risk Tolerance | Emotional comfort with rate changes |
| Cash Flow Sensitivity | Does every $50 matter monthly? |
| Future Plans | Selling, job change, major expenses |
| Prepayment Intent | Lump sums? Frequent extra payments? |
Compare Rate Types
Open Mortgages
Best when you want flexibility and expect to refinance, sell, or make large prepayments before your term ends
Freedom to Repay Anytime- Ability to Sell or Refinance
- High Flexibility and No Penalties
Open Fixed
- You think INTEREST RATE MY RISE, and you want protection without being fully locked in
- You prefer the same predictable payment every month.
Open Variable
- You believe rates might drop and want to benefit from lower interest costs.
- You are ok with some payment, interest rate, and cash-flow fluctuations,
Open Adjustable
- You want an open mortgage but are okay with your payment changing as rates move.
- You are comfortable tracking rate movements and adjusting your budget.
- You want flexibility to pay off or refinance at any time.
Closed Mortgages
Best when you want a lower rate and are ok committing to your term with limited prepayment options
- Comfortable Locked in for TERM
- Do not plan Sell or Refinance
- Don't plan to make large Payments.
Closed Fixed
- You think INTEREST RATE MY RISE, and you want protection without being fully locked in
- You prefer the same predictable payment every month.
Closed Variable
- You believe rates might drop and want to benefit from lower interest costs.
- You are ok with some payment, interest rate, and cash-flow fluctuations,
Closed Adjustable
- You want the lowest entry rate but expect payments to move with the market.
- You can manage payment increases if prime rises.
- You prefer a rate that follows the market with potential long-term savings.
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