Live Market Data
Real-time rate benchmarks for Hilton Head Island, Bluffton, and the SC Lowcountry — updated daily from Optimal Blue's national mortgage market index.
The rates displayed below are national market benchmarks from Optimal Blue, one of the mortgage industry's most trusted data sources. They reflect current pricing across thousands of daily loan locks and give you a real-time picture of where the market stands.
Your actual rate will depend on your credit score, down payment, loan type, property type, and other factors specific to your situation. As a broker with access to 150+ lenders, I shop your file across the market to find the most competitive rate available — which is often better than what any single bank can offer.
See a rate that interests you? Call me and I'll tell you exactly where you'd land based on your profile.
When you go to a single bank, you get that bank's rate — take it or leave it. When you work with me, I submit your file to dozens of competing lenders and bring back the best offer. That competition typically saves borrowers anywhere from an eighth to a half point on their rate, which translates to real money over the life of a loan.
On a $400,000 loan, a quarter-point rate difference saves approximately $58 per month — over $21,000 across a 30-year term. Shopping your mortgage is worth doing, and I do it for you at no extra cost.
Rate Disclaimer: Rates displayed are sourced from Optimal Blue's Mortgage Market Indices and reflect national benchmark pricing based on aggregated daily lock data. These rates are for informational and educational purposes only and do not constitute a mortgage rate quote, a commitment to lend, or a guaranteed offer. Actual rates and APRs will vary based on individual borrower qualifications including credit score, debt-to-income ratio, loan-to-value ratio, loan amount, property type, occupancy, and other underwriting factors. Rates change daily and sometimes multiple times within a single business day. Contact Brad Payne for a personalized rate quote specific to your situation. Brad Payne NMLS #2366717 · Empire Home Loans NMLS #1839243 · Equal Housing Lender · Licensed in SC, GA & VA.
The benchmark rates above tell you where the market is. A 5-minute conversation with Brad tells you exactly where you'd land — based on your credit, down payment, and loan type.