Commercial Property Loan Interest Rates Fha Jumbo Loan Rates Most loan types do – including Conventional, FHA, and VA loans.. An Adjustable rate mortgage (arm) typically offers lower rates than a fixed-rate mortgage.. with you to see if a jumbo interest-only loan might suit your circumstances.Best Interest Rates Mortgage When you finance or refinance a home using a mortgage, your interest rate is based on the time it takes to close: the fewer days it takes to get you from "rate lock" to closing, the lower your mortgage rate will be. For every additional 15 days it takes to close your loan, your quoted mortgage rate increases by 12.5 basis points (0.125%).