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<!DOCTYPE html>
<html style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; color-scheme: light dark; supported-color-schemes: light dark;">
 <head>
  <meta content="text/html; charset=utf-8" http-equiv="Content-Type"/>
  <style>
   a:hover {
color: inherit; font-size: inherit; line-height: inherit; text-decoration: inherit;
}
@font-face {
font-family: 'ObjectSansHeavy'; font-style: normal; font-weight: 800; src: url('https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fs3%252Fconstellation-website%252Fpublic%252Fshared%252Ffonts%252Fobject-sans%252Flatest%252Fobject-sans-heavy.woff2/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3NzgwODE0MTQuODk3MTA2fQ:1wKeCU:CC4_NyH_QohYz7QVbCz-Abn3qNGcIOOQWIVkWioj34U') format('woff2'); mso-font-alt: 'Arial Black';
}
@font-face {
font-family: 'ObjectSansRegular'; font-style: normal; font-weight: 400; src: url('https://inboxflows.com/_/image/http%253A%252F%252Fwww.zillowstatic.com%252Fs3%252Fconstellation-website%252Fpublic%252Fshared%252Ffonts%252Fobject-sans%252Flatest%252Fobject-sans-regular.woff2/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRnd3dy56aWxsb3dzdCIsInRpbWUiOjE3NzgwODE0MTQuODk3NzE4N30:1wKeCU:pCHqoavTEw3uey7O1AOO0GYw4VR3jnkoSKKbQ3TC16w') format('woff2'); mso-font-alt: 'Arial';
}
body {
padding: 0; margin: 0 auto !important; font-family: Helvetica, Arial, sans-serif !important; mso-hyphenate: none !important;
}
.primaryHover:hover {
background: #0033AB !important;
}
.secondaryHoverWhite:hover {
background: #FFFFFF !important; border-color: none !important; color: #111116 !important;
}
.secondaryHoverBlue:hover {
background: #F4F9FF !important; border-color: #0033AB !important; color: #0033AB !important;
}
.textHoverBlue:hover {
text-decoration: underline !important; color: #0033AB !important;
}
.textHoverWhite:hover {
text-decoration: none !important; color: #EEEEF0 !important;
}
body {
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;
}
body {
height: 100%; margin: 0 auto !important; padding: 0; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
}
img {
border: 0 !important; height: auto; line-height: 100%; outline: none; text-decoration: none;
}
img {
-ms-interpolation-mode: bicubic;
}
body[data-outlook-cycle] .image {
width: 36px; height: 36px;
}
img {
background-color: transparent !important;
}
@media screen and (-webkit-min-device-pixel-ratio:0) {
  .textHoverWhite:hover img.arrowHoverWhite {
    content: url(https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F06%252FarrowRightWH.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3NzgwODE0MTQuODk3OTM2fQ:1wKeCU:P2brqF7RGefQ3Hm_V2LvHLHNUxDE8ceHNZOj7AonAhA) !important;
  }
  .textHoverBlue:hover img.arrowHoverBlue {
    content: url(https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F06%252FarrowRightBH.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3NzgwODE0MTQuODk4MDY0MX0:1wKeCU:AR57htV7rzlL0qTX1beHd8TDHsyU6e_22BkJfOQwZyI) !important;
  }
}
@media only screen and (max-width: 599px) {
  u + .body .full-wrap {
    width: 100vw !important;
  }
  u + .body .glist {
    margin-left: 8px !important;
  }
}
@media screen and (min-width: 481px) and (max-width: 600px) {
  .w20m {
    width: 20% !important;
  }
}
@media screen and (max-width: 480px) {
  * {
    padding: 0;
  }
  body {
    width: 100% !important; text-align: center !important;
  }
  .block {
    display: block !important;
  }
  .displayTable {
    display: table !important;
  }
  .displayBlock {
    display: block !important;
  }
  .tableCell {
    display: table-cell !important; vertical-align: top !important;
  }
  .hide {
    display: none !important;
  }
  .show {
    display: block !important; max-height: none !important; overflow: visible !important;
  }
  .height28 {
    height: 28px !important;
  }
  .height24 {
    height: 24px !important;
  }
  .height106 {
    height: 106px !important;
  }
  .heightauto {
    height: auto !important;
  }
  .width100perc {
    width: 100% !important;
  }
  .width90perc {
    width: 90% !important;
  }
  .width50perc {
    width: 50% !important;
  }
  .width129 {
    width: 129px !important;
  }
  .width144 {
    width: 144px !important;
  }
  .fluid-100perc {
    width: 100% !important; min-width: 200px !important; max-width: 480px !important;
  }
  .mw504 {
    max-width: 504px !important;
  }
  .border202000 {
    border-radius: 20px 20px 0 0 !important;
  }
  .pad0 {
    padding: 0px !important;
  }
  .padlr0 {
    padding-left: 0px !important; padding-right: 0px !important;
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  .padlr20 {
    padding-left: 20px !important; padding-right: 20px !important;
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  .padlr24 {
    padding-left: 24px !important; padding-right: 24px !important;
  }
  .padb0 {
    padding-bottom: 0px !important;
  }
  .padb4 {
    padding-bottom: 4px !important;
  }
  .padb8 {
    padding-bottom: 8px !important;
  }
  .padb16 {
    padding-bottom: 16px !important;
  }
  .padb20 {
    padding-bottom: 20px !important;
  }
  .padb24 {
    padding-bottom: 24px !important;
  }
  .padb32 {
    padding-bottom: 32px !important;
  }
  .padt0 {
    padding-top: 0px !important;
  }
  .padt12 {
    padding-top: 12px !important;
  }
  .padt16 {
    padding-top: 16px !important;
  }
  .padt24 {
    padding-top: 24px !important;
  }
  .padt32 {
    padding-top: 32px !important;
  }
  .padr0 {
    padding-right: 0px !important;
  }
  .padr4 {
    padding-right: 4px !important;
  }
  .padr8 {
    padding-right: 8px !important;
  }
  .padr16 {
    padding-right: 16px !important;
  }
  .padr24 {
    padding-right: 24px !important;
  }
  .padr32 {
    padding-right: 32px !important;
  }
  .padr40 {
    padding-right: 40px !important;
  }
  .padl0 {
    padding-left: 0px !important;
  }
  .padl4 {
    padding-left: 4px !important;
  }
  .padl8 {
    padding-left: 8px !important;
  }
  .padl16 {
    padding-left: 16px !important;
  }
  .padl24 {
    padding-left: 24px !important;
  }
  .padl32 {
    padding-left: 32px !important;
  }
  .padl40 {
    padding-left: 40px !important;
  }
  .font12 {
    font-size: 12px !important; line-height: 18px !important;
  }
  .font14 {
    font-size: 14px !important; line-height: 16px !important;
  }
  .font16SubHeadline {
    font-size: 16px !important; line-height: 24px !important; font-family: Helvetica, Arial, sans-serif !important; font-weight: 700 !important;
  }
  .font20 {
    font-size: 20px !important; line-height: 24px !important;
  }
  .font24 {
    font-size: 24px !important; line-height: 28px !important;
  }
  .font36 {
    font-size: 36px !important; line-height: 44px !important;
  }
  .borderRadiusRight {
    border-radius: 0px 12px 12px 0px !important;
  }
  .borderRadiusLeft {
    border-radius: 12px 0px 0px 12px !important;
  }
  .alignleft {
    text-align: left !important;
  }
  .aligncenter {
    text-align: center !important;
  }
  .button {
    font-size: 14px !important; line-height: 14px !important; padding: 13px 18px !important;
  }
  .dir {
    direction: ltr !important;
  }
  .apple_address a {
    font-family: Helvetica, Arial, sans-serif !important; text-decoration: none !important; font-size: 12px !important; line-height: 16px !important; font-weight: 400 !important;
  }
  .background-size {
    background-size: cover !important; background-position: 50% 50% !important;
  }
  img.show {
    display: block !important; height: auto !important;
  }
  td.stack {
    width: 100% !important; display: block !important;
  }
  th.stack {
    width: 100% !important; display: block !important;
  }
}
@media screen and (max-device-width: 480px) {
  * {
    padding: 0;
  }
  body {
    width: 100% !important; text-align: center !important;
  }
  .block {
    display: block !important;
  }
  .displayTable {
    display: table !important;
  }
  .displayBlock {
    display: block !important;
  }
  .tableCell {
    display: table-cell !important; vertical-align: top !important;
  }
  .hide {
    display: none !important;
  }
  .show {
    display: block !important; max-height: none !important; overflow: visible !important;
  }
  .height28 {
    height: 28px !important;
  }
  .height24 {
    height: 24px !important;
  }
  .height106 {
    height: 106px !important;
  }
  .heightauto {
    height: auto !important;
  }
  .width100perc {
    width: 100% !important;
  }
  .width90perc {
    width: 90% !important;
  }
  .width50perc {
    width: 50% !important;
  }
  .width129 {
    width: 129px !important;
  }
  .width144 {
    width: 144px !important;
  }
  .fluid-100perc {
    width: 100% !important; min-width: 200px !important; max-width: 480px !important;
  }
  .mw504 {
    max-width: 504px !important;
  }
  .border202000 {
    border-radius: 20px 20px 0 0 !important;
  }
  .pad0 {
    padding: 0px !important;
  }
  .padlr0 {
    padding-left: 0px !important; padding-right: 0px !important;
  }
  .padlr20 {
    padding-left: 20px !important; padding-right: 20px !important;
  }
  .padlr24 {
    padding-left: 24px !important; padding-right: 24px !important;
  }
  .padb0 {
    padding-bottom: 0px !important;
  }
  .padb4 {
    padding-bottom: 4px !important;
  }
  .padb8 {
    padding-bottom: 8px !important;
  }
  .padb16 {
    padding-bottom: 16px !important;
  }
  .padb20 {
    padding-bottom: 20px !important;
  }
  .padb24 {
    padding-bottom: 24px !important;
  }
  .padb32 {
    padding-bottom: 32px !important;
  }
  .padt0 {
    padding-top: 0px !important;
  }
  .padt12 {
    padding-top: 12px !important;
  }
  .padt16 {
    padding-top: 16px !important;
  }
  .padt24 {
    padding-top: 24px !important;
  }
  .padt32 {
    padding-top: 32px !important;
  }
  .padr0 {
    padding-right: 0px !important;
  }
  .padr4 {
    padding-right: 4px !important;
  }
  .padr8 {
    padding-right: 8px !important;
  }
  .padr16 {
    padding-right: 16px !important;
  }
  .padr24 {
    padding-right: 24px !important;
  }
  .padr32 {
    padding-right: 32px !important;
  }
  .padr40 {
    padding-right: 40px !important;
  }
  .padl0 {
    padding-left: 0px !important;
  }
  .padl4 {
    padding-left: 4px !important;
  }
  .padl8 {
    padding-left: 8px !important;
  }
  .padl16 {
    padding-left: 16px !important;
  }
  .padl24 {
    padding-left: 24px !important;
  }
  .padl32 {
    padding-left: 32px !important;
  }
  .padl40 {
    padding-left: 40px !important;
  }
  .font12 {
    font-size: 12px !important; line-height: 18px !important;
  }
  .font14 {
    font-size: 14px !important; line-height: 16px !important;
  }
  .font16SubHeadline {
    font-size: 16px !important; line-height: 24px !important; font-family: Helvetica, Arial, sans-serif !important; font-weight: 700 !important;
  }
  .font20 {
    font-size: 20px !important; line-height: 24px !important;
  }
  .font24 {
    font-size: 24px !important; line-height: 28px !important;
  }
  .font36 {
    font-size: 36px !important; line-height: 44px !important;
  }
  .borderRadiusRight {
    border-radius: 0px 12px 12px 0px !important;
  }
  .borderRadiusLeft {
    border-radius: 12px 0px 0px 12px !important;
  }
  .alignleft {
    text-align: left !important;
  }
  .aligncenter {
    text-align: center !important;
  }
  .button {
    font-size: 14px !important; line-height: 14px !important; padding: 13px 18px !important;
  }
  .dir {
    direction: ltr !important;
  }
  .apple_address a {
    font-family: Helvetica, Arial, sans-serif !important; text-decoration: none !important; font-size: 12px !important; line-height: 16px !important; font-weight: 400 !important;
  }
  .background-size {
    background-size: cover !important; background-position: 50% 50% !important;
  }
  img.show {
    display: block !important; height: auto !important;
  }
  td.stack {
    width: 100% !important; display: block !important;
  }
  th.stack {
    width: 100% !important; display: block !important;
  }
}
@media (prefers-color-scheme: dark ) {
  h1 {
    color: #ffffff !important;
  }
  h2 {
    color: #ffffff !important;
  }
  h3 {
    color: #ffffff !important;
  }
  h5 {
    color: #ffffff !important;
  }
  p {
    color: #ffffff !important;
  }
  span {
    color: #ffffff !important;
  }
  a {
    color: #ffffff !important;
  }
  b {
    color: #ffffff !important;
  }
  li {
    color: #ffffff !important;
  }
  [data-ogsc] .msoWhite {
    color: #ffffff !important; -webkit-text-fill-color: #ffffff !important;
  }
  [data-ogsc] .msoBlack {
    color: #111116 !important; -webkit-text-fill-color: #111116 !important;
  }
  .dmclink {
    color: #65B4FF !important;
  }
  .dmcblue400 {
    color: #0041D9 !important;
  }
  .dmcwhite {
    color: #FFFFFe !important;
  }
  .dmcPool {
    color: #73E4F9 !important;
  }
  .dmcteal400 {
    color: #2DCEBC !important;
  }
  .dmcteal800 {
    color: #053630 !important;
  }
  .dmcgreen300 {
    color: #9FF17B !important;
  }
  .dmcpurple300 {
    color: #E6A8FF !important;
  }
  .dmcblack {
    color: #000000 !important;
  }
  .dmcgray400 {
    color: #A7A6AB !important;
  }
  .dmcgray600 {
    color: #111116 !important;
  }
  .dmcgray500 {
    color: #7e7f8e !important;
  }
  .dmcred500 {
    color: #fa3d45 !important;
  }
  .dmblink {
    border-color: #65B4FF !important;
  }
  .dmbwhite {
    border-color: #FFFFFe !important;
  }
  .dmbgray500 {
    border-color: #54545A !important;
  }
  .dmbblack {
    border-color: #0A0A14 !important;
  }
  .dmbgray800 {
    background-color: #2a2a33 !important;
  }
  .dmbgray900 {
    background-color: #212129 !important;
  }
  .dmblack {
    background-color: #151516 !important;
  }
  .dmgray600 {
    background-color: #111116 !important;
  }
  .dmblack {
    background-color: #000000 !important;
  }
  .dmgray50 {
    background-color: #F7F7F7 !important;
  }
  .dmbuttonPrimary {
    background-color: #65B4FF !important; color: #000 !important; border-color: none !important;
  }
  .dmbuttonSecondaryWhite {
    background-color: none !important; color: #FFF !important; border-color: #FFF !important;
  }
  .dmbuttonSecondaryBlue {
    background-color: none !important; color: #65B4FF !important; border-color: #65B4FF !important;
  }
  .dmteal800 {
    background-color: #053630 !important;
  }
  .dmteal600 {
    background-color: #136F65 !important;
  }
  .dmteal100 {
    background-color: #CEFDF5 !important;
  }
  .dmpurple500 {
    background-color: #891EFA !important;
  }
  .dmpurple800 {
    background-color: #3B0470 !important;
  }
  .dmWaterfront {
    background-color: #001962 !important;
  }
  .dmblue900 {
    background-color: #001962 !important;
  }
  .dmpurple400 {
    background-color: #CA8FFF !important;
  }
  .dmblue400 {
    background-color: #65B4FF !important;
  }
  .dmgray400 {
    background-color: #ADADB6 !important;
  }
  .dmArrowFilter {
    filter: invert(70%) sepia(84%) saturate(2707%) hue-rotate(185deg) brightness(104%) contrast(102%);
  }
  .dmIconFilterBlack {
    filter: invert(5%) sepia(10%) saturate(1330%) hue-rotate(201deg) brightness(99%) contrast(95%);
  }
  .dmIconFilterWhite {
    filter: brightness(0.96) sepia(0.03) hue-rotate(210deg) saturate(1.2);
  }
  .cardElevated {
    border: none !important; box-shadow: none !important;
  }
  .cardElevated:hover .dmBgGray900 {
    background-color: #2a2a33 !important;
  }
  .primaryHover:hover {
    background: #9ACDFF !important;
  }
  .secondaryHoverWhite:hover {
    background: #FFFFFF !important; border-color: none !important; color: #111116 !important;
  }
  .secondaryHoverBlue:hover {
    background: #000E42 !important; border-color: #9ACDFF !important; color: #9ACDFF !important;
  }
  .textHoverBlue:hover {
    color: #65B4FF !important; text-decoration: underline !important;
  }
  .propertyCardSM:hover .cardElevated {
    box-shadow: 0px 8px 20px 0px rgba(0, 0, 0, 0.15) !important;
  }
  .dmbnone {
    border-left: 0px !important; border-right: 0px !important; border-top: 0px !important; border-bottom: 0px !important;
  }
  .imgDark {
    display: block !important;
  }
  .imgLight {
    display: none !important;
  }
}
  </style>
 </head>
 <body style="font-family: Helvetica, Arial, sans-serif !important; font-size: inherit; mso-hyphenate: none !important; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; margin: 0 auto; padding: 0;">
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   Learn what you can control.
  </div>
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     
  </div>
  <p style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
   <!-- zhl tracking parameters  -->
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   Zillow
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               <span class="dmcblack" style="font-weight: 700; font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Mortgage basics:
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               <span class="dmcblack" style="font-weight: 400; font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                How to lower your rate
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                4 ways to get a lower rate
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                   Wondering why everyone has a different interest rate? That’s because rates are personalized for each buyer based on a combination of factors that you can and can’t control.
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               In your control
              </b>
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                Credit score:
               </b>
               A strong financial track record is the most universal way to get a lower rate.
              </li>
              <li style="font-size: 16px; line-height: 24px; color: #111116; text-align: left; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Down payment
               </b>
               : If you borrow less, the lender has less risk, which can lower your rate.
              </li>
              <li style="font-size: 16px; line-height: 24px; color: #111116; text-align: left; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Loan type
               </b>
               : FHA, VA and conventional loans have different rates.
              </li>
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               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Loan term
               </b>
               : A shorter term (and faster payoff) can net a lower rate.
              </li>
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               Out of your control
              </b>
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               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Inflation:
               </b>
               Mortgage rates rise with the general cost of goods and services.
              </li>
              <li style="font-size: 16px; line-height: 24px; color: #111116; text-align: left; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Federal Reserve policy:
               </b>
               Mortgage rates closely follow these benchmark rates.
              </li>
              <li style="font-size: 16px; line-height: 24px; color: #111116; text-align: left; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
               <b style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                Market conditions:
               </b>
               Things like lender competition and investor demand will affect rates.
              </li>
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                   Zillow Home Loans, LLC is an Equal Housing Lender, NMLS #10287.
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                   2600 Michelson Dr.
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                   Suite 1201
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How to lower your interest rate
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