The rates below are a national average across 100’s of lenders, and include an average of 0.9% in fees and points.  These rates are not an offer to lend, reflect data from the previous business day.  The actual rates and fees available will vary significantly with specifics of a borrowers application, and can be much better or worse than the averages shown below.  Please inquire with the Hero Loan Team and get a Loan Estimate for more details.