Today’s Mortgage Rates in St. Louis
Priced by a local broker, not a call center.
Mortgage backed securities are basically flat on the day, although they were trading better earlier this morning.
The recent spike in oil tied to escalating conflict in the Middle East caused some selling pressure, but bonds are still showing some resilience. The 10 year Treasury is holding below an important level around 4.82%, which is encouraging considering everything the market is dealing with.
That said, oil is moving back toward $100 a barrel as tensions increase, and that continues to create inflation concerns for the bond market.
For now, bonds are fighting to hold their ground. If the conflict escalates and oil keeps climbing, that resilience could become much harder fought.
Compare today’s conventional, FHA and VA rates
360 monthly principal and interest payments of $3,202. Property taxes and homeowners insurance are not included. Your actual monthly payment will be higher.
25% down · 780+ credit
Get this rate →180 monthly principal and interest payments of $4,253. Property taxes and homeowners insurance are not included. Your actual monthly payment will be higher.
25% down · 620+ credit
Get this rate →360 monthly principal and interest payments of $3,038. Property taxes and homeowners insurance are not included. Your actual monthly payment will be higher.
No money down · 720+ credit · first-time use
Get this rate →360 monthly principal and interest payments of $3,119. Property taxes and homeowners insurance are not included. FHA mortgage insurance also applies. Your actual monthly payment will be higher.
3.5% down · 720+ credit
Get this rate →What these assume: a $500,000 loan, owner-occupied single family, 30-day lock, and no points — you are not charged points on these rates. Down payment and credit differ by program and are shown on each card. Match a card’s parameters exactly and that is the rate you get. Change any of them — loan size, down payment, credit, program — and the pricing moves, which is why the only number that really matters is yours.
Interest rate
APR
Points
Principal & interest (P&I)
Mortgage insurance
Rate lock
See your actual rate → or call (314) 361-9979
Run your own numbers
About these rates
Do these change every day?
Yes. Mortgage pricing moves with the bond market, sometimes more than once a day. These are updated each business morning and the time above shows when.
Why are your rates lower than a bank's?
A retail lender stacks a loan officer, branch manager, regional manager and corporate margin into the same loan. As a broker, Sean sets the margin himself and shops wholesale investors, so there are fewer hands in the price.
Will I actually get this rate?
If your loan matches the scenario on the card exactly — loan amount, down payment, credit score and program — then yes, that is the rate you get. Change any one of those and the pricing moves, which is why your number may be higher or lower. The fastest way to find out is a real quote, and it costs nothing.
Is this a rate lock?
No. Rates shown are not locked and can change without notice. A lock happens once you are under contract and choose to lock.
These rates, APRs and monthly payments are current as of 09/08/2026 and may change at any time. We update these each business morning at about 10:00 AM Central, once investor pricing posts. If you are viewing this before 10:00 AM, you are seeing yesterday’s rates — call for today’s. Shown as of Sep 8, 10:42 AM and subject to change without notice. Not a commitment to lend, a rate lock, an offer of credit, or an advertisement of available terms to any individual. Payments shown are principal and interest only and exclude property taxes, homeowners insurance, mortgage insurance and any HOA dues. APR figures marked “est.” are calculated from rate and points and do not include all fees; your Loan Estimate will show your actual figures. Better Rate Mortgage · NMLS #2401335 · Equal Housing Lender.
Get your actual rate
The rates above are priced to the scenarios shown. Yours depends on your loan amount, down payment, credit and program — tell us the basics and Sean will price it and get back to you the same business day. No cost, and it does not affect your credit.
"*" indicates required fields
