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What Determines
Your Rate?
Credit Score
Your credit score is one of the biggest factors in your rate. A score of 760+ typically qualifies for the best available rates. Every 20-point drop can meaningfully affect your monthly payment.
Loan-to-Value (LTV)
The ratio of your loan amount to your home's value. A lower LTV — meaning more equity or a larger down payment — reduces lender risk and earns you a better rate. 80% LTV or below is the sweet spot.
Debt-to-Income (DTI)
Your monthly debt obligations compared to your gross income. Lenders prefer a DTI under 43%. A lower DTI signals financial strength and can qualify you for lower rates and better loan terms.
Down Payment
For home purchases — whether primary residence or investment property — your down payment directly affects your LTV and rate. More down means less risk for the lender and a better rate for you.
Loan Type & Term
Conventional, FHA, VA, and jumbo loans all carry different base rates. A 15-year term has a lower rate than 30-year. Adjustable-rate mortgages (ARMs) start lower but can adjust upward over time.
Property Type
Primary residences get the best rates. Second homes carry a slight premium. Investment properties are priced higher due to increased risk — typically 0.5–1% above primary home rates.
Rates Change.
Your Move Shouldn't Wait.
When the rate is right, act fast. Stevenson works with buyers and homeowners across Georgia to lock rates, close fast, and save more. Get a personalized rate quote in minutes — no obligation.