Best Rated Local Lender
Your Home.
Your Rate.
Your Lender.
Buying or refinancing? Experience a simplified mortgage process starting with a personalized, transparent rate quote.
Home Loan Mortgages. Low Rates. Zero Hassle.
- Owner-occupied, vacation homes, and rental property purchases
- Conventional loans (30, 15, and 10 year customized term options)
- Government loans including FHA, VA, and USDA programs
Today's Mortgage Rates for July 14, 2026
Conventional 30 Yr.
6.000 %
APR 6.106
Conventional 15 Yr.
5.250 %
APR 5.454
FHA 30 Yr.
5.375 %
APR 5.487
VA 30 Yr. Fixed
5.490 %
APR 5.596
Rates as of July 14, 2026
See Rate AssumptionsExperience a simplified mortgage process starting with a personalized, transparent rate quote.
Get My Rate Today5.0100% Satisfaction Rate
A Lending Experience Built on Direct Accountability.
No high-pressure gimmicks. Just upfront numbers and constant communication.
1. The No-Surprises Cost Guarantee
We guarantee the lender fees quoted on your initial Loan Estimate will exactly match your final Closing Disclosure. If a lender fee increases due to an error on our part, we cover the difference. Period.
2. The 24-Hour Milestones Commitment
A 24-hour turnaround on your pre-approvals, direct access to a human on our team, and proactive status updates every single Friday to you and your Realtor — so you never wonder where your loan stands.
And no, we don't play the "$500 Rate Guarantee" game — those gimmicks are designed to gamify one of the biggest financial decisions of your life. Read our full take.
39/39
PERFECT CUSTOMER REVIEWS
100% Five-Star Satisfaction Rate
AAlan C. · California
Ivan (and his assistant Nichole) did a great job of handling all aspects of this loan and any concerns or questions I had.
Posted on Google
MMichael R. · California
Ivan made the refinance process seamless and always responded to any questions I had right away no matter the time or day. We will definitely use him on our next home purchase and we already referred a fellow veteran to Freedomstar Financial.
Posted on Google
RRoger B. · California
Using Freedomstar was fast and easy. Ivan, my loan officer, was on top of every move and made the refi experience great. Keep up the good work.
Posted on Google
CColleen H. · California
Working with Freedomstar Financial was easy! They made the process painless while getting us a great rate with amazing terms. We felt like they had our best interests in mind at all times and got us a better loan than we could have on our own.
Posted on Google
KKerrie B. · California
I just called and it said our loan was paid off! Thanks so much for your help through this! Our last loan guy was essentially terrible and not helpful. You were amazing. Thanks again.
Posted on Google
SSean E. · California
Ivan and Freedomstar Financial were great and responsive. We’ll use them again in the future if the opportunity arises.
Posted on Google
It's simple.
Low rates. Fast closings. A free consultation is waiting for you.
01
Apply online
Complete a quick, secure application in minutes from any device.
02
Get your quote
A live loan officer reviews your goals and sends a no-haggle low rate.
03
Close on time
We keep you updated every step of the way through a smooth closing.
A Local Mortgage Company That Puts You First
Purchasing a home is one of the largest financial decisions you'll ever make. You deserve a lender who knows your market, answers the phone, and treats your loan like it matters — because to us, it does.
Get Started TodayLearn More About Mortgages
Tips and guides to help you make confident home financing decisions.
