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Today's
Mortgage Rates

Get the latest mortgage rates.

Rates are updated daily and reflect current market conditions.

Current Mortgage Rates

30-Year Fixed Rate 6.470%
15-Year Fixed Rate 5.810%
Jumbo 30-Year 6.476%
FHA 30-Year 6.308%
VA 30-Year 6.119%
Last updated: 2026-06-22 13:00:45(UTC) * This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Get Your Personalized Rate

These are general market rates. Your actual rate may vary based on your credit score, down payment, loan type, and other factors. Contact us for a personalized quote.

Rate Trends (Last 3 Years)

Understanding Mortgage Rates

  • 30-Year Fixed Rate
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    The most popular mortgage option with a fixed interest rate for 30 years. Lower monthly payments but higher total interest over the life of the loan.

  • 15-Year Fixed Rate
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    Shorter term with higher monthly payments but significantly lower total interest. Ideal for borrowers who can afford higher payments.

  • ARM
    (Adjustable Rate Mortgage)
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    Initial fixed rate period followed by adjustable rates. Lower initial rates but potential for rate increases after the fixed period.

  • FHA Loans
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    Government-backed loans with lower down payment requirements. Ideal for first-time homebuyers or those with lower credit scores.

What Affects Mortgage Rates?

Federal Reserve Policy The Fed's monetary policy directly impacts mortgage rates through changes in the federal funds rate.
Economic Indicators Inflation, employment rates, and GDP growth all influence rate movements.
Bond Market Mortgage rates often follow 10-year Treasury yields as investors shift between bonds and mortgages.
Credit Score Your personal credit score significantly affects the rate you qualify for. Higher scores get better rates.
Loan-to-Value (LTV) Higher down payments typically result in better rates as they reduce lender risk.
Loan Type Conventional, FHA, VA, and USDA loans have different rate structures and requirements.

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