You may have some homes that you are "interested" in, but this is not exactly the type of interest that you need to think about at the beginning. Interest rates on your home loan are important, and you should be aware of how important it is to know exactly what the rates will be.
First, there are some ways in which you can actually lower your interest rates when it comes to home loans. One of the most popular methods for this is to pay points. Each point is worth 1% of the total price of the home. By paying points early on, you are lowering your interest on the loan, for as long as the loan is active.
Next, you should know that the averages for interest have remained steady. The recent numbers have show averages from 3.24% all the way to 4.06%. That does not, however, mean that these averages are what home loans will carry. They are all different so it could be higher or lower depending on a number of factors.
Finally, the interest rates are going to vary no matter where you go, so make a mental note that you will need to shop around for the best price. Many lenders, who are a part of special housing programs, may have lower monthly mortgage rates, but take a close look at the interest. It is usually higher than with most conventional loan plans.