It depends on what your loan amount is. A loan under 417k is a conforming loan and most rates are around 3.5% now. If you are between 417k-625k, they might be around 3.75%, and if you are over 625k, you could be looking at around 5%. I have my rates posted on my website along with a mortgage calculator. You can visit my website at http://www.rmilending.com