Chad is correct, rates can, and do, change daily. This moment, "best execution" rates are right at 4.0%. "Best Ex" rates refer to an ideal scenario: Single family home, purchase, 760+ scores, 25% or more down. Loans with lower down payments/scores will have higher rates and/or costs. Of course, the August jobs' report is released Friday, a Fed meeting is looming, and the world's economies are on the ropes, so everything is subject to change.