Getting Real About Rates

You deserve a real number for your situation — not some gimmicky rate that only works to get you in the door. Once we look at your file, you will know what the loan actually costs.

See what people are saying about working with Griffin Stephens

    
 
 
      Trustindex verifies that the original source of the review is Google. I must say it was such a great experience having Griffin S work with me. He was very thorough, supportive and knowledgeable. He really went above and beyond just to make sure that we were comfortable during the process. I really appreciate his hard work. Thank you Griffin! I would definitely recommend others to work with him.
  
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   Barbie Sanchez 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I had a great experience working with Griffin Stephens as my mortgage broker. He made the entire process straightforward and easy to understand, was always available when I had questions, and kept everything moving smoothly from start to finish. What I appreciated most was how responsive and knowledgeable he was throughout the process. He took the time to explain my options, kept me updated along the way, and made sure there were no surprises as we got closer to closing. I would absolutely recommend him to anyone looking for a mortgage broker who is professional, dependable, and genuinely invested in helping his clients get the best outcome possible.
  
  Posted on Google  
 
    
   Joshua Keithline 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Griffin was quite literally THE BEST part of our home buying experience!! He was dedicated to ensuring we received the most competitive mortgage rate. He worked closely with us to ensure a seamless Home buying experience from start to end and even went the extra mile afterwards. 10/10
  
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   Josh Lamb 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Griffin is amazing. He went above and beyond to make sure my first time home buying experience was the best. He still checks up on me and keeps me posted about any changes to my property value. He’s simply the best at what he does. Thanks again for everything you’ve done for me and my family Griffin.
  
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   CaaNoBe 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Working with Griffin made buying our first home so much less stressful. He was incredibly proactive, always checking in to see if we had questions, and took the time to explain everything in a way that actually made sense. The personalized videos he sent were so helpful because we could go back and watch them anytime. He was knowledgeable, responsive, and made us feel confident every step of the way. We couldn’t have asked for a better lender and would absolutely use him again and recommend him to anyone looking to buy a home!
  
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   Payton Lamb 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Griffin did a fantastic job helping secure my mortgage. Not only did he walk through other mortgage offers I had received, he beat the rates and the terms, and worked alongside my realtor and me the whole process. I couldn't have been happier and can't recommend him highly enough.
  
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   Patrick Brennan 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Griffin is great to work with. He is attentive and prompt.
  
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   Tom Coffman 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Very professional and dedicated to offering the best options, opportunities and benefits. Always in touch to provide updates.
  
  Posted on Google  
 
    
   Manuel Mendes 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Having Griffin as a resource for our team has been fantastic. As a buyer's agent, the myriad balls in the air can sometimes be a challenge. It is wonderful to know that Griffin has the financial angle locked down. He is proactive, communicative and always ready to help clear any hurdle. Honestly, he has made my job so much easier. Kudos to Griffin.
  
  Posted on Google  
 
    
   Greg Parsons 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. 10/10 would recommend for anyone looking for a home in the area, he was able to match and even do better than any other deal I could find and they were engaging the entire way through, answering any questions we might’ve had and checking in on us during waiting periods to make sure we’re doing good!
  
  Posted on Google  
 
    
   Joshua Gales

What actually affects your rate

Your credit profile, loan type (VA, conventional, FHA, etc.), down payment, property type, and current market conditions all play a role. Two borrowers can see very different rates on the same day for good reasons.

Why I don't post teaser rates

A low advertised rate that only a tiny percentage of people can actually get creates more frustration than help. I’d rather give you a realistic picture based on your situation.

What I'll show you instead

Don’t rely on a calculator that doesn’t know your story. Give me 10 minutes to understand your income, credit, goals, and timeline, and I’ll put together a Loan Summary & Comparison showing your rate, monthly payment, cash to close, and the trade-offs between your options. No guessing. No vague estimates. Just a clear comparison of what each option actually means for you. I’ll also tell you whether it makes sense to lock or wait, based on your closing date and what the market is doing that week.

Rates F.A.Q.

What mortgage interest rate can I get today?

There is no single rate for everyone. Your rate depends on the market plus your credit, loan type, down payment, property, and loan term. I will quote you based on your actual scenario, not a teaser number.

Why is the rate I was quoted different from the rate I saw online?

Advertised rates usually assume perfect credit, a large down payment, and paying points. Credit, points, down payment, loan size, and daily market movement all change what you actually receive. That is also why this site does not post teaser rates.

What’s the difference between interest rate and APR?

The interest rate is the rate charged on the loan. APR includes that rate plus certain loan costs and fees. Looking at both gives you a clearer picture of the overall cost.

How do I compare two Loan Estimates apples to apples?

Compare rate, APR, points or credits, lender fees, monthly payment, and cash to close — using similar loan terms from roughly the same day. A second quote is useful; just make sure you are comparing the same structure.

Will shopping multiple mortgage lenders hurt my credit?

Mortgage inquiries made within a short rate-shopping window are generally grouped together for scoring purposes. That lets you compare lenders without each inquiry hitting like a separate credit application.

Are mortgage points worth paying?

Sometimes. Compare the upfront cost of the points with the monthly savings and how long you expect to keep the loan. If you will still be in the loan past the break-even point, points can make sense. If not, they often do not.

Ready to take the next step?

Reach out and I'll give you a clear, personalized look at today's options.

Let's Talk Get Pre-Approved →