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2023 Rates

Find out the current interest rates and how those rates might look in 30 days or even 90 days.

Mortgage Interest Rates Forecast 2023

30-year mortgage rates bottomed out at 2.65% in early 2023, but are anticipated to go up from here with a hopeful look at the current market conditions. You can still lock-in an incredibly historic-low rate now if you act fast!

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Come Take Advantage Of Today’s Lowest Rates Before They Go Up!

  • Where Will Interest Rates Be In 2023?

    According to Danielle Hale, the chief economist at, interest rates will remain fairly steady at the current 2.7% during the first half of the year and then gradually increase if the COVID 19 vaccine is effective.

  • Will Interest Rates Go Up In 2023?

    With most lenders anticipating financial recovery after the pandemic, interest rates are expected to rise. A 10-year mortgage plan by the Treasury is expected to rise to up to 1.5%.

  • Will Mortgage Rates Go Down In 2023?

    It is improbable that mortgage rates will go down in 2023. With the pandemic slowly fading, income rates are expected to increase, thus lifting existing limitations to keep mortgage interest rates low.

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2023 VA Disability Rates

Can You Get Approved For A Mortgage Loan?

Each year we help Veterans with their questions about VA Loans. If you would like to know more about the 2023 VA Disability Rates, give us a call or contact one of our representatives today to discuss the rates.

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2023 RATES

Mortgage Rate Forecast 2023

Mortgage rate forecasts can often be hard to predict given the number of factors that go into them. However, at Spire Financial, our forecasts continue to help our customers make future decisions regarding their loans and financial decisions.

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Our Loan Experts Can Help

  • Can You Get A Home Loan With Bad Credit?

    Yes, it is possible to get a home loan even with bad credit. However, it is important to keenly compare mortgage terms. The lower your credit score, the worse rates you’ll get, which will increase your monthly payment and lower your amount of loan you can qualify for.

  • How To Qualify For A Home Loan With Bad Credit?

    Typically your best bet for getting approved for a loan with bad credit is the FHA loan. FHA loans require a 580 credit score to qualify for a 3.5% down payment. You can also qualify for an FHA loan if you make at least a 10% down payment when you have bad credit in order to qualify for a home loan.

  • How To Refinance A Home Loan With Bad Credit?

    There are a few options to refinance a home loan when you have bad credit, one of the ways is getting an FHA streamline refinance (if you already have an FHA loan on your home) which can help you lower your monthly payment. This streamline refinance allows you to improve your rate and payment with little documentation and typically no need for an appraisal.

  • What Is The Best Home Loan For Bad Credit?

    Typically, an FHA loan is the best loan for bad credit. FHA loan rates are not as sensitive to credit scores as a Conventional loan and the mortgage insurance does not go up for worse scores like a Conventional loan’s MI does.

  • Do You Need Good Credit For A Home Equity Loan?

    Most home equity lenders require good credit when applying for a home equity loan. However, it is not always required to have good credit in order to secure a home equity loan. A good FICO credit score, however, raises your chances of getting a home equity loan.

Spire Financial brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.



V.I.P. Mortgage, Inc. DBA Spire Financial does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. For state specific licensing, visit V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.

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