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Mortgage Rates Today — Get 3 Personalized Options for Your Scenario

Why “mortgage rates today” rarely match what you’ll actually get

Online “average” rates are just that—averages. Real pricing changes minute-to-minute with the bond market and depends on your specifics: loan type, credit, equity/down payment, occupancy, points/credits, property type, and the lock period you need for your timeline. If you want your number, the quickest path is simple:

Please complete the short form on this page.
We’ll calculate your rate based on your goals and reach out with a personalized quote that includes at least three customized options—no pressure, just clear math.



How to get your exact rate today (3 quick steps)

  1. Complete the form on this page. Share basics like purchase price or payoff, down payment/equity, an estimated credit range, and target timing.
  2. We shop multiple lenders for you. As an independent broker, we compare rates, terms, and costs—modeling points vs. credits, lock periods, and buydowns.
  3. We deliver at least 3 options. We’ll call/text to walk through payment, APR, cash to close, and break-even—then help you choose and lock when you’re ready.

By submitting the form, you agree our team may contact you by phone, text, or email. This isn’t a commitment to lend.

What actually moves mortgage rates today

  • Loan type & term: Conventional, FHA, VA, jumbo; 30-yr vs. 15-yr; fixed vs. ARM.
  • Credit & equity/down payment: Stronger credit and more equity typically price better.
  • Points & lender credits: Pay points to reduce the rate, or use credits to reduce cash to close.
  • Occupancy & property type: Primary residences generally price better than second homes or investments.
  • Lock period: 15–60+ day locks affect pricing; we’ll align it to your escrow/refi timeline.

We’ll show the side-by-side math: payment, APR, estimated cash to close, and break-even on any points.

What you’ll receive after you complete the form (at least 3 options)

Option A — Lowest Monthly Payment
Focus on the lowest long-term payment (may include discount points). Great if you expect to keep the loan longer.

Option B — Lowest Cash to Close
Use eligible lender credits to reduce upfront costs. Ideal when conserving cash matters more than the absolute rate.

Option C — Balanced Break-Even
A middle path that weighs points vs. credits, with a clear time-to-benefit based on how long you’ll keep the loan.

Bonus ideas (if suitable):

  • 2-1 or 1-0 buydown for early-year payment relief.
  • ARM if you have a shorter time horizon.
  • Piggyback/second mortgage to avoid PMI or certain jumbo pricing.
  • VA, FHA, and DPA options for eligible borrowers.

Local advantage: High Desert expertise

We live and lend locally in Victorville, Apple Valley, Hesperia, and Big Bear Lake. That means smarter pre-approvals, realistic timelines, and fewer surprises with local appraisals and property nuances—plus honest updates from pre-approval to closing.

Ready to see your numbers?
Complete the form on this page and we’ll send you a personalized quote with at least three custom options you can compare side-by-side.

Quick FAQs

Will checking rates hurt my credit?
An initial review may not require a full credit pull. To lock or finalize approval, a credit check is typically needed. Multiple mortgage inquiries within a short window are often treated as one for scoring.

Should I pay points or take lender credits?
It depends on your timeline and cash flow. We’ll calculate break-even so you can see when points pay off compared to taking credits.

Can I lock my rate today?
Usually yes—after we collect enough info and your file is in process. We’ll match the lock period to your timeline and discuss float-down options if available.

Do you offer VA, FHA, jumbo, second mortgages, and HELOCs?
Yes. As a broker, we compare options across lenders for Conventional, FHA, VA, jumbo, second trust deeds, and HELOCs to fit your goals.

Important disclosures

Equal Housing Opportunity. Mojave River Mortgage is a licensed California real estate broker (CA DRE #01854568) and NMLS #1884727. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting guidelines, and property approval. Interest rates, APRs, and terms are subject to change without notice and can vary based on borrower profile, loan amount, loan-to-value, occupancy, property type, lock period, and market conditions. Not all applicants will qualify. APR may include certain lender fees and prepaid finance charges; your APR will vary by scenario. Adjustable-rate loans may have rates, payments, or APRs that increase after consummation. A Loan Estimate will be provided upon application. You can verify licensing at NMLS Consumer Access.

Next step

To get accurate mortgage rates today for your situation, please complete the form on this page. Our team will reach out with a personalized quote including at least three custom options—so you can compare clearly, choose confidently, and move forward with the plan that fits you best.