Several underlying factors impact what mortgage rate you end up receiving on your home loan.

The home mortgage loan amount can increase your interest rate if the amount exceeds the conforming loan limits established by Fannie Mae and Freddie Mac.  If this limit is exceeded, you will need to secure a jumbo loan as opposed to a traditional "conforming loan".

Shorter mortgage loan durations (such as a 20 year or 15 year note as opposed to a traditional loan amortized over 30 years), can save you thousands in interest payments over the life of the loan.  An adjustable rate mortgage may get you started with a lower interest rate than a fixed rate mortgage, but your payments will rise when interest rates change.

More Money Down. If you put at least 20% of your home purchase price down as a down payment, you will have a better opportunity to get a lower rate. Down payments of 5% or less should expect to pay a higher mortgage rate.

Credit quality and debt-to-income-ratio. If you have good credit and your monthly income far surpasses your monthly debt obligations, you will get approved at a lower mortgage rate.

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