I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
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The interest rate is the cost you pay each year to borrow money, expressed as a percentage. APR (Annual Percentage Rate) includes the interest rate plus other costs like origination fees, discount points, and other charges. APR gives you a more complete picture of the total cost of your loan, making it easier to compare different mortgage offers.
Several factors influence your mortgage rate: your credit score (higher scores typically get better rates), down payment amount (larger down payments can lower rates), loan type and term, property type and use, debt-to-income ratio, and current market conditions. Your specific rate quote will be personalized based on your unique financial profile.
Simply viewing current rates or using our calculator won't impact your credit score. However, when you formally apply for a mortgage and the lender pulls your credit report, this is a "hard inquiry" that may temporarily lower your score by a few points. The good news: multiple mortgage inquiries within a 45-day period typically count as just one inquiry, so you can rate shop without additional credit score impact.