who has the lowest mortgage rates today? A first-time buyer's quick guide

As a first-time buyer, I've learned no lender always has the absolute lowest deal; rates and fees shift by credit, loan type, and timing. Yesterday in a noisy coffee shop, a credit union beat an online lender by 0.05% - then reversed by afternoon. So I chase value, not just a teaser.

How I compare quickly

Check current mortgage rates from 3 - 5 sources and compare mortgage rates online.
Sort by APR and cash-to-close; weigh no points mortgage rates versus paying points with a clear break-even.
Price multiple programs - conventional and the lowest FHA rates - since eligibility reshuffles leaders.
Read reviews of the best mortgage lenders, then time a lock with cautious mortgage rate predictions.

Careful truth: no single winner, but side-by-side math usually reveals my best total cost.

https://www.pennymac.com/rates
Personalize your rate ; 15 Year Fixed. $2,078 - 5.500% ; 20 Year Fixed. $1,804 - 5.875% ; 30 Year Fixed. $1,505 - 5.875%.

https://www.nerdwallet.com/article/mortgages/how-to-get-the-best-mortgage-rate
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, ...

https://www.mpamag.com/us/mortgage-industry/guides/the-states-with-the-lowest-mortgage-rates-in-the-usa/518460
Alaska has the lowest homeowner mortgage rate in the US based on a 30-year fixed term rate. We used this metric as this is the most popular type of mortgage.