Mortgage Rates Bought Wholesale

Where unbeatable rates meet unmatched service.

wholehearted service

The Perfect Blend — Superior Rates & Personalized Service

At Mortgage Portfolio Services (MPS), we believe great rates should never come at the cost of exceptional service. That’s why we buy rates wholesale to offer you superior mortgage pricing with a hands-on, client-first approach. We ensure you get the best financing solutions without the stress. Whether you’re a first-time homebuyer, refinancing or an industry professional seeking better loan options, our team is here to guide you with expertise, integrity and transparency.

Great rates are actually easy to do. You just have to want to do it. Excellent customer service is a different story. It takes commitment. Emphasizing superior customer service and finding staff that is similarly committed is a constant endeavor — but we’ve been successful.

Loan Type	Term	Interest Rate
Government Loans
FHA	30 Year	5.875%
FHA	20 Year	5.875%
FHA	15 Year	5.125%
FHA	10 Year	5.375%
FHA Construction	30 Year	6.125%
FHA Down Payment Assistance - 3.5%	30 Year	7.75%
VA	30 Year	5.750%
VA	20 Year	6.000%
VA	15 Year	5.250%
VA	10 Year	5.375%
VA Construction	30 Year	6.000%
USDA	30 Year	5.875%
USDA Construction	30 Year	6.125%
Conventional Loans
Loan Type	Term	Interest Rate
Conventional	30/25 Year	6.375%
Conventional	20 Year	5.990%
Conventional	15 Year	5.625%
Conventional Construction	30/25 Year	6.625%

Disclaimer: The rates displayed above are a sampling of available mortgage rates and may not reflect real-time market conditions. Mortgage rates vary based on loan type, borrower qualifications, market fluctuations and lender terms. These rates are updated periodically and may not represent the most current offerings. For the most accurate and personalized rate quote, please speak with your MPS Mortgage Consultant. Our MPS Mortgage Consultants will provide tailored options based on your unique financial situation and home financing goals.

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Superior Rates & Unmatched Service

Many lenders claim they offer the lowest mortgage rates, yet getting someone knowledgeable on the phone feels impossible. Others promise a mortgage at the tap of a button — but at what cost? At MPS, we don’t believe you should have to choose between competitive rates and superior service. You deserve both.

So how does MPS offer them both?

We leverage wholesale lenders to pass savings directly to you — providing access to ultra-competitive rates without inflated margins.
No Double Dipping — Unlike many lenders, we don’t structure deals that force you to refinance later just to get a fair rate. Every loan is structured to serve your best interests from day one.
We don’t tie profit to the rate — your mortgage solution is based on what’s best for you, not what makes us the most money.
Hands-on service — MPS Mortgage Consultants personally attend closings (within three hours of our offices), ensuring a smooth, stress-free experience.