Your Guide to Beating 2025 Mortgage Rates

In 2025, top mortgage rates go to borrowers with credit scores above 740.
Comparing multiple lenders can save over $20K on a $350K mortgage.
A 20% down payment avoids PMI and unlocks the lowest available loan rates.
Shorter 15–20 year loans offer lower interest rates and faster equity growth.
Lock your rate wisely and avoid major financial changes until your mortgage closes.