Rate check
Your personalized rate range — in 60 seconds.
Tell us your goal, credit tier, and property type. We'll show you a rate range based on live Freddie Mac data — no hard pull, no spam.
Live rates as of May 28, 2026 · Freddie Mac PMMS
Step 1 of 4
What's your goal?
Market pulse
Freddie Mac PMMS via FRED · w/e May 28
What affects your rate?
Credit score
The single biggest factor. 760+ unlocks best-tier pricing; below 720 adds noticeable spread.
Loan-to-value (LTV)
≤80% LTV avoids PMI and signals low risk to lenders. 25%+ down can unlock premium pricing.
Debt-to-income (DTI)
Lenders target <43% total DTI. Below 36% qualifies you for the widest range of programs.
Property type
Condos and multi-family carry a slight rate premium (0.125–0.25%) vs. single-family.
Quote reviewed by
Adriano Tori
Founder & Designated Broker · RexMont Real Estate
Speak directly with Adriano →Common questions
Does checking my rate affect my credit score?
No. This tool uses self-reported credit tier information — there is no hard credit pull. A hard inquiry only happens when you formally apply with a lender. Using this tool is entirely soft and has zero impact on your score.
How accurate is the rate range estimate?
The range is based on the current Freddie Mac Primary Mortgage Market Survey (PMMS) rate, adjusted for your credit tier using typical lender pricing tiers. It is a directional estimate — your actual rate depends on the specific lender, property appraisal, full credit profile, debt-to-income ratio, and loan-to-value at the time of application.
What is a 2-1 buydown and is it common in Seattle?
A 2-1 buydown is a seller concession that temporarily reduces your interest rate by 2% in year one and 1% in year two. In the May 2026 market, with inventory slightly elevated and sellers motivated, buydown concessions are increasingly common on Eastside properties — particularly for new construction and listings that have been sitting.
What is the King County conforming loan limit?
King County is designated a high-cost area by the FHFA, so the conforming loan limit is higher than the national baseline. Loans above this limit require jumbo financing, which carries slightly different underwriting requirements. Confirm the exact current limit with your lender, as it adjusts annually.
How do tech RSUs affect mortgage qualification?
RSUs can be included in qualifying income when properly documented — typically requiring 2 years of vesting history and a reasonable expectation of continuance. Seattle-area lenders who specialize in Amazon, Microsoft, and Google buyers know how to underwrite RSU schedules. Your RexMont agent can refer you to lenders experienced with tech compensation.
Rate methodology: Baseline rates sourced from the Federal Reserve FRED (Freddie Mac Primary Mortgage Market Survey). Credit-tier adjustments based on standard lender pricing tiers; actual rates vary by lender, property, and full credit profile. Monthly payment estimates use a $700,000 representative loan for illustration. Not a commitment to lend. Consult a licensed mortgage professional before making financial decisions.