With so many programs and so many different rates that can apply to any given situation and credit score, it's IMPOSSIBLE for you to get an accurate quote from an internet posted rate page or even by telephone or in the newspaper shopping. Interest rates are like a fingerprint, they are different for everyone. Rates change daily and often several times in one day, so yesterday's rate quote, or even this morning's rate quote for that matter, may be obsolete and/or worthless when rate shopping.
Here are a just a few factors that would cause an interest rate to vary:
||The amount of your down payment or equity in the property|
||The type of loan program you select|
||You don't occupy the subject property (ex. second home or investment property)|
||Late mortgage or other credit payments|
||Bankruptcy or past foreclosure|
||And many, many more|