Your trusted source for current mortgage rates and expert guidance
Mortgage Rates
Compare today\'s mortgage rates from top lenders and save thousands on your home loan. Access real-time rate data, expert forecasts, and personalized quotes—all in one place.
Today\'s Average Mortgage Rates
30-Year Fixed
30-year fixed rate
6.625%
↑ +0.125
15-Year Fixed
30-year fixed rate
5.875%
↑ +0.125
5/1 ARM
30-year fixed rate
5.500%
0.000
FHA 30-Year
30-year fixed rate
6.125%
↑ +0.125
Current Mortgage Rates Overview
Understanding today\'s mortgage rates landscape is crucial for making informed home financing decisions. Our real-time rate data helps you time your home purchase or refinance perfectly.
Why Trust Us for Your Mortgage Rates Research
We\'ve helped over 250,000 homebuyers and homeowners find competitive mortgage rates. Our commitment to accuracy, transparency, and user education sets us apart in the mortgage industry.
Real-Time Mortgage Rates
Access live mortgage rates updated daily from top lenders. Our proprietary rate tracking system ensures you always see the most current mortgage rates available in the market, helping you make informed decisions about your home loan.
Unbiased Comparisons
Compare mortgage rates objectively without sales pressure. We provide transparent rate data from multiple lenders, empowering you to choose the best mortgage rates for your financial situation. No hidden fees, no surprises.
Expert Guidance
Our team of mortgage professionals with over 50 years combined experience helps you navigate complex mortgage rates. We break down jargon and explain how different rates impact your monthly payments and total loan cost.
Rate Lock Alerts
Never miss the perfect rate with our personalized mortgage rate monitoring. Set your target rate, and we'll notify you when mortgage rates hit your sweet spot. Timing your rate lock strategically can save thousands over the life of your loan.
Historical Rate Data
Access comprehensive mortgage rate history and trend analysis. Understanding past mortgage rate patterns helps you predict future movements and choose the optimal time to buy or refinance your home.
Instant Rate Quotes
Get personalized mortgage rate quotes in under 2 minutes. Our streamlined process connects you with lenders offering competitive rates tailored to your credit profile, down payment, and loan preferences.
Users Served
Lender Partners
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Explore Mortgage Rates by Topic
Whether you\'re buying your first home, refinancing, or just researching rates, we have comprehensive guides and tools to help you make smart decisions.
Current Mortgage Rates
View today's live rates from top lenders
Mortgage Rate Forecast 2026
Expert predictions for the coming year
30-Year Fixed vs ARM
Compare mortgage options side-by-side
Best Refinance Rates
Find the lowest refinance mortgage rates
Mortgage Calculator
Calculate payments with current rates
Lowest Rate Guide
Strategies to secure the best mortgage rates
Understanding Mortgage Rates
Mortgage rates determine the cost of borrowing for your home purchase. Even a small rate difference can mean thousands in savings over the life of your loan.
Mortgage rates fluctuate daily based on various economic factors including inflation, Federal Reserve policy, bond market activity, and overall economic health. When you\'re shopping for mortgage rates, understanding these factors helps you time your rate lock strategically.
The difference between a 6.5% and 6.0% mortgage rate on a $400,000 30-year loan amounts to over $40,000 in interest savings. That\'s why comparing mortgage rates from multiple lenders is essential—we make it easy to see competitive rates side by side.
Your personal mortgage rate depends on several factors: credit score (740+ gets the best rates), down payment amount, loan type, debt-to-income ratio, and property location. Our tools help you understand how these factors affect your mortgage rates and what you can do to qualify for better terms.
Fixed mortgage rates provide payment stability—your principal and interest payment never changes. Adjustable mortgage rates (ARMs) start lower but can increase after the initial fixed period. Choosing between them depends on how long you plan to own the home and your tolerance for payment uncertainty.
Pro tip: Mortgage rates often move in anticipation of Federal Reserve actions, not just after Fed announcements. Our mortgage rate forecast analyzes these patterns to help you predict future rate movements.
Quick Rate Comparison
Latest Mortgage Rate Highlights
Stay informed with breaking news, expert analysis, and market trends affecting mortgage rates today.
Mortgage Rates Show Signs of Stabilization
After months of volatility, mortgage rates are beginning to stabilize as inflation data shows improvement. Learn what this means for your home buying timeline.
Fed Signals Potential Rate Cuts in 2026
Federal Reserve officials hint at possible interest rate reductions later this year. Discover how anticipated Fed policy could impact mortgage rates and your borrowing costs.
Refinance Activity Surges as Rates Dip
Homeowners rush to refinance as mortgage rates briefly touch multi-month lows. Calculate your potential savings with current refinance mortgage rates.
What Affects Your Mortgage Rate?
Understanding the factors that determine your mortgage rate helps you prepare for the home buying process and potentially qualify for better rates.
Scores above 740 qualify for the best mortgage rates. Each 20-point drop can increase your rate by 0.25-0.50%, costing thousands over your loan term.
20% down avoids PMI and often secures lower mortgage rates. Less than 20% down typically means higher rates plus private mortgage insurance costs.
FHA, VA, and conventional loans offer different mortgage rates. Government-backed loans often have lower rates but require mortgage insurance.
Shorter terms (15-year) have lower mortgage rates than 30-year loans. The trade-off is higher monthly payments but significant interest savings.