The rates you see here generally won’t compare directly with teaser rates you see advertised online, since those rates are cherry-picked as the most attractive. They may involve paying points in advance, or they may be selected based on a hypothetical borrower with an ultra-high credit score or taking a smaller-than-typical loan given the value of the home.
Source: https://www.investopedia.com/mortgage-rates-jump-to-20-year-high-7557902?utm_campaign=quote-yahoo&utm_source=yahoo&utm_medium=referral&yptr=yahoo