CMG

Today's rates

Real rates, matched to your actual situation.

Advertised rates rarely reflect what you'll actually qualify for. Get a personalized rate quote in minutes — no credit pull required.

Check today's rates → Call (773) 354-3135

Why your rate isn't a single number

What actually moves your rate

Credit score

Pricing is tiered by credit score range — even a 20-point difference can shift your rate.

Down payment

Loan-to-value affects pricing on virtually every loan type — more down generally means a better rate.

Property & occupancy type

Primary residence, second home, and investment property are priced differently — condos and multi-unit properties too.

Loan type

Conventional, FHA, VA, jumbo, and DSCR programs all carry different pricing structures.

Term & structure

A 15-year term, an ARM, or a 2-1 buydown each carry different rate profiles than a standard 30-year fixed.

Market conditions

Rates move daily with broader financial markets — we'll help you understand timing and lock strategy.

CMG

Get your number

See your actual rate, not an advertised one

Use our rate search tool to get a personalized quote based on your real numbers — no credit pull, no obligation, no spam.

Check today's rates →

Want to see your payment too?

Use our mortgage calculator

Once you have a rate in mind, run it through our payment calculator to see your full estimated monthly cost.

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Ready to lock in your number?

Patrick will walk through your quote with you and answer every question honestly.