Interest rates changes everyday. Sometimes it even varies hourly, depending on the volatility of the market. The best thing for you to do is to contact a local direct lender, either thru the internet or from you bank. They will request several documents such as pay stub, bank statements, your credit scores, 2 years of consecutive employment in the same line of business. Your rate will also vary depending you the amount of downpayment. Rates are usually lower if you are able to put down 20% as downpayment. Once your agent has all the info and documentation from you, he or she will be able to tell you at what interest rate you qualify for. You don't need to lock in a rate till you actually find that perfect house. Good luck.