First-time homebuyers

Updated on 21-May-26

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Mintrates.com is an online news and information service that provides editorial content and directory information about various financial products, including personal loans, business loans, and mortgage products. Mintrates.com is not a lender, mortgage broker, or financial institution, and it does not offer loans or mortgages directly or indirectly through its representatives or agents. Mintrates.com does not provide an application for credit or mortgage loans on our platform. Any loan applications or transactions must be conducted directly with the lenders or financial institutions. Mintrates.com strives to provide accurate and up-to-date information, Mintrates.com do not guarantee the accuracy, completeness, or reliability of the rates, APR, or loan details posted by brokers, lenders, or advertisers on our platform. By using Mintrates.com, you agree to the terms of this disclaimer and acknowledge that Mintrates.com is not responsible for any decisions or actions taken based on the information provided on our platform. The information provided should be used as a general reference only, and users are advised to verify all details directly with the respective lenders or financial institutions before making any financial decisions based on the information provided on Mintrates.com. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Mintrates.com not liable for any financial or non-financial losses or damages resulting from the use of our website or reliance on the information presented. All trademarks and logos appearing on Mintrates.com are the property of their respective owners. The inclusion of these trademarks and logos on our platform does not imply an endorsement of our products or services by the owners of these trademarks. Mortgage rate data is sourced from various providers and may be subject to change without notice. The data is provided 'as is,' and mintrates.com makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of the information. Use of the mortgage rate data is at the user's own risk. Mintrates.com shall not be liable for any damages, whether direct, indirect, incidental, special, consequential, or punitive, arising out of or related to the use of the data, including but not limited to errors, inaccuracies, omissions, or any actions taken based on the information provided. Users are advised to independently verify the accuracy and applicability of the mortgage rate data and seek professional advice before making any financial decisions. Mintrates.com is not responsible for any actions taken based on the information provided on this website.

Advertising Disclaimer
The mortgage rate advertised ("as low as 4.46% APR") is for illustrative purposes only and is based on a specific loan scenario quoted on April 17, 2026: a 15-year fixed-rate purchase loan of $480,000 with a 20% down payment, a credit score of 780–850, located in ZIP code 33192 (Miami, FL), single-family home, and up to 3 discount points (2.895 points / $11,117 in fees). The estimated monthly payment is $2,839 and does not include property taxes, homeowners insurance, or HOA fees, which will increase the actual monthly obligation. Rates are provided by RateUpdate.com and displayed by Mortgage Research Center, LLC, NMLS #1907. Lender NMLS #2473786. Equal Housing Opportunity. Rates shown are subject to change without notice and are not guaranteed. Your actual rate, APR, monthly payment, and loan terms will vary based on creditworthiness, loan amount, loan-to-value ratio, and lender approval. Not all borrowers will qualify for the lowest advertised rate. mintrates.com is not a lender, mortgage broker, or creditor. This site is for informational and comparison purposes only.

Source 1: Optimal Blue. Release: Optimal Blue Mortgage Market Indices. This index includes rate locks from Federal Housing Authority loans. Optimal Blue Mortgage Market Indices™ (OBMMI™) is calculated from actual locked rates with consumers across over one-third of all mortgage transactions nationwide. OBMMI includes multiple mortgage pricing indices developed around the most popular products and specific borrower and loan level attributes. Each index is calculated as the average of all appropriate rate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. More details about methodology and definitions are available at this link. Optimal Blue, 30-Year Fixed Rate FHA Mortgage Index, 30-Year Fixed Rate Jumbo Mortgage Index, 30-Year Fixed Rate Veterans Affairs Mortgage Index in the United States, retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/
Source 2: Freddie Mac. Release: Primary Mortgage Market Survey. On November 17, 2022, Freddie Mac changed the methodology of the Primary Mortgage Market Survey® (PMMS®). The weekly mortgage rate is now based on applications submitted to Freddie Mac from lenders across the country. For more information regarding Freddie Mac’s enhancement, see their research note. Freddie Mac, 30-Year Fixed Rate Mortgage Average, 15-Year Fixed Rate Mortgage Average, 5/1-Year Adjustable Rate Mortgage Average in the United States, retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org Data are provided “as is” by Freddie Mac®, with no warranties of any kind, express or implied, including but not limited to warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user’s sole risk. In no event will Freddie Mac be liable for any damages arising out of or related to the data, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.