Snare & Associates Mortgage Services, LLC

Current Rates

Save money by checking out today’s lowest mortgage rates. It’s better to act sooner rather than later so you don’t get stuck paying higher rates. If you’re ready to move on your new mortgage, it only takes a few moments to get started. If you still have a few questions, we’d be glad to guide you through the process.

Conventional Fixed Rates

Based on $180,000 loan amount with 10% down and a 761 credit score.
Current Rates* as of January 29, 2026
TERM
RATES
APR
10 YEAR
5.125%
5.249%
15 YEAR
5.125%
5.249%
20 YEAR
5.750%
5.738%
30 YEAR
5.750%
5.911%

FHA Fixed Rates

Based on $180,000 loan amount with 3.5% down and a 761 credit score.
Current Rates* as of January 29, 2026
TERM
RATES
APR
15 YEAR
5.125%
5.639%
30 YEAR
5.375%
5.985%

VA Fixed Rates

Based on $180,000 loan amount with 0% down and a 761 credit score.
Current Rates* as of January 29, 2026
TERM
RATES
APR
15 YEAR
5.125%
5.460%
30 YEAR
5.500%
5.762%

USDA Fixed Rates

Based on $180,000 loan amount with 0% down and a 761 credit score.
Current Rates* as of January 29, 2026
TERM
RATES
APR
30 YEAR
5.625%
6.131%

*Rates subject to change. Rates on this page are based on purchase financing. Contact us directly at 1-866-574-3883 for refinance rates.