Mortgage Loans in Surprise, AZ

Looking for a trusted mortgage company in Surprise, AZ? Compare loan offers from local lenders to find competitive rates and terms tailored to your needs. Whether you're buying your first home or refinancing, local expertise can make all the difference.

Take the guesswork out of your mortgage journey with personalized support right here in Surprise. Explore flexible options and member benefits designed to fit your budget and lifestyle, making homeownership simpler and more affordable.

PurchaseRefinanceData Analysis

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Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
cuwest
Conv
6.25 - 6.5 %
6.374 - 6.7 %
5 - 30 Yrs
∞
hughesfcu
Conv
6.375 - 6.875 %
6.375 - 6.875 %
15 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Credit Union West offers a 15-year Conventional Fixed rate today at 5.75%, up 13 bp from last week. Their 30-year Conventional Fixed and Jumbo Fixed rates are both 6.5%, also up 13 bp over seven days and 13 bp over 30 days. The FHA 30-year Fixed rate remains steady at 6.0%. The VA 30-year Fixed rate is steady at 5.99%. The 5-year ARM is 6.25%, up 13 bp from last week, and the 7-year ARM is 6.375%, also up 13 bp. Hughes offers a 15-year conventional fixed rate at 6.375%, unchanged from last week but up 13 bp from a month ago. The 30-year conventional fixed rate is 6.99%, up 12 bp from last week and also up 12 bp from a month ago. FHA 30-year fixed is at 6.25%, down 13 bp from last week and a month ago. The 30-year VA fixed rate is 6.875%, up 13 bp from last week.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

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