When buying a home or refinancing, finding the best mortgage rate is essential. Zillow mortgage rates provide real-time insights into current loan offers from top lenders across the U.S., helping buyers and homeowners compare options—all in one place.
Here’s how Zillow helps you find and understand today’s mortgage rates and how to use this tool effectively.
1. What Are Zillow Mortgage Rates?
Zillow offers a mortgage rate comparison tool that pulls in live data from multiple lenders to show:
- Current interest rates for 30-year, 15-year, FHA, VA, and jumbo loans
- Estimated monthly payments based on your inputs
- Rate trends over time
This feature helps users make informed decisions without having to visit multiple lender websites.
2. How to Use Zillow Mortgage Rate Tool
Step-by-Step Guide:
- Visit the Zillow Mortgage Rates page
Go to Zillow Mortgage Rates to see current average rates. - Enter your ZIP code
Local market conditions affect rates—enter your location for more accurate results. - Choose your loan type
Select from:
- 30-Year Fixed
- 15-Year Fixed
- FHA Loan
- VA Loan
- Jumbo Loan
- Input credit score range
Zillow adjusts rate estimates based on whether your score is low, medium, or high. - View lender offers
See actual rates and APRs from verified lenders, including online lenders and traditional banks. - Get pre-approved (optional)
Some lenders allow you to start the pre-approval process directly through Zillow.
3. Current Average Mortgage Rates on Zillow (Early 2025)
| Loan Type | Average Rate (APR) |
|---|---|
| 30-Year Fixed | ~6.2% |
| 15-Year Fixed | ~5.5% |
| FHA Loan (30-Year) | ~6.0% |
| VA Loan (30-Year) | ~5.9% |
| Jumbo Loan (30-Year) | ~6.1% |
Note: Rates vary by lender, credit profile, and market.
4. Why Use Zillow to Compare Mortgage Rates?
- Free to use: No cost for accessing rate comparisons
- Multiple lenders: See offers from national and local lenders in one place
- Personalized results: Tailor results to your credit score and down payment
- Educational tools: Includes calculators, articles, and tips for first-time buyers
- Mobile-friendly: Access rates and apply on the go via the Zillow app
5. Tips for Getting the Best Mortgage Rate on Zillow
- Check multiple lenders: Don’t settle for the first offer
- Improve your credit score: Even small increases can lower your rate
- Consider paying points: Buy down your rate if you plan to stay long-term
- Lock in your rate once you’re satisfied with the offer
- Compare total costs, not just the interest rate (look at APR and fees)
Conclusion
Zillow makes it easy to compare mortgage rates from top lenders, empowering you to find the best deal for your financial situation. Whether you’re a first-time buyer or a seasoned homeowner, using Zillow’s mortgage rate tool can save you time and money during the home-buying or refinancing process.
Frequently Asked Questions (FAQ)
Q: Does Zillow offer mortgage loans directly?
A: No, Zillow partners with third-party lenders to offer mortgage products and rate comparisons.
Q: Are Zillow mortgage rates updated daily?
A: Yes, Zillow updates its mortgage rate data daily to reflect current market conditions.
Q: Can I get pre-approved through Zillow?
A: Yes, some lenders on Zillow allow you to start the pre-approval process online after entering your financial details.
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