Freedom Mortgage Rates: Compare the Latest Offers in 2025
When buying a home or refinancing, the interest rate you secure has a direct impact on your monthly payments and the total cost of your loan.
As one of the largest mortgage lenders in the U.S., Freedom Mortgage offers a wide range of products—from VA loans to FHA and conventional mortgages. In 2025, understanding how Freedom Mortgage rates are set and where to find the best offers can help you make a smarter financial decision.
What Determines Freedom Mortgage Loan Rates?
Like most lenders, Freedom Mortgage sets its rates based on a mix of:
- Loan type (conventional, FHA, VA, or USDA).
- Loan term (15-year, 20-year, or 30-year).
- Market conditions such as inflation and Federal Reserve policies.
- Borrower profile, including income, debt-to-income ratio, and credit score.
Even small differences in these factors can result in significant changes to your monthly payment.
Current Average Rates for 2025
In early 2025, national averages for 30-year fixed mortgages hover between 6% and 7%, while 15-year terms are slightly lower. Freedom Mortgage’s rates generally align with these averages but may vary depending on loan program and borrower eligibility.
Because rates fluctuate daily, requesting a personalized quote is the only way to know your exact offer.
Fixed vs Adjustable Rates with Freedom Mortgage
Borrowers can choose between:
- Fixed-rate mortgages – Interest remains the same for the entire loan term, offering predictability and stability.
- Adjustable-rate mortgages (ARMs) – Start with a lower initial rate that adjusts after a set period, potentially saving money early on but adding risk if rates rise.
Freedom Mortgage offers both, making it possible to choose the option that best fits your budget and long-term plans.
How Your Credit Score Impacts Your Rate
Your credit score plays one of the biggest roles in determining your rate:
- Excellent credit (740+) – Qualifies for the lowest available rates.
- Good credit (680–739) – Competitive, but slightly higher.
- Fair or poor credit (below 680) – May face higher rates or stricter loan terms.
Improving your score before applying—such as paying down debt or correcting errors—can help you secure a better rate.
How to Lock the Best Rate with Freedom Mortgage
Mortgage rates change daily, sometimes even multiple times per day. Freedom Mortgage allows you to lock in a rate once you’ve been pre-approved, protecting you from sudden increases during the application process.
Pro tip: Time your application during stable or declining rate periods for maximum savings.
Where to Check and Compare Freedom Mortgage Rates
To stay informed and find the best offer, you can:
- Visit the Freedom Mortgage official website for real-time quotes.
- Use mortgage comparison platforms like Bankrate, NerdWallet, or LendingTree.
- Speak with a licensed Freedom Mortgage loan officer for customized guidance.
Comparing multiple lenders ensures you don’t miss out on better rates available in the market.
Conclusion
Freedom Mortgage rates in 2025 remain competitive, but the exact terms depend heavily on your credit profile, loan type, and market conditions. By understanding how rates are determined, comparing options, and locking in at the right time, you can secure a deal that fits your financial goals.
👉 Next article: Freedom Mortgage Refinance: How to Lower Your Monthly Payments