Updated daily by Mortgage News Daily

Today's mortgage rates

Real-time market averages from the country's most trusted mortgage data source. Use these as a starting point, then call us for a quote tailored to your credit, loan type, and down payment.

Today's Mortgage Rates
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Live rate data powered by Mortgage News Daily. These are national averages updated daily based on actual lender pricing. Your rate depends on credit score, loan type, down payment, property type, and market timing. Get your personalized rate quote.

What these rates actually mean for you

National averages are useful for understanding where the market is, but the rate you actually qualify for depends on your specific file. Here is what to know.

01.
These are averages, not quotes
The numbers above are national averages of advertised lender rates. Your personal rate depends on your credit score, loan-to-value ratio, debt-to-income ratio, occupancy type, property type, and the specific lender you go with. Real quotes can be 0.25% above or below the average.
02.
FHA, VA, USDA differ from conventional
Government-backed loans (FHA, VA, USDA) often price below conventional rates because of the federal guarantee, but they come with mortgage insurance or funding fees that affect total cost. The widget shows conventional 30-year and 15-year averages.
03.
Locking versus floating
Once you have an accepted offer, you can lock your rate for 30, 45, or 60 days. Locking protects you if rates rise, but you miss out if they drop. We help clients decide based on their closing timeline and market conditions that week.
04.
Discount points can lower your rate
You can pay discount points (typically 1% of loan = 0.25% rate reduction) to permanently lower your rate. Whether that math works depends on how long you keep the loan. Our Discount Points calculator walks through the break-even.

Run your real numbers with our tools

Pair today's rates with our interactive calculators to see exactly what your monthly payment, total interest, and break-even would look like.

Mortgage Calculator
See your full monthly payment
P&I, taxes, insurance, PMI, HOA. Plus extra-payment scenarios that show how many years you can shave off.
Calculate →
Cost of Waiting
What waiting actually costs
Compare buying now vs. waiting 1, 2, or 5 years. See the real cost of price growth and rate uncertainty.
Calculate →
Discount Points
Should you buy your rate down?
Pull the numbers from your loan estimate and see your true break-even. Includes seller credit math.
Calculate →

Want a real rate tailored to your file?

National averages are a starting point. We pull live pricing from our wholesale lenders for FHA, VA, USDA, conventional, and jumbo loans, then show you the actual rate you qualify for. No pressure, no cost.

Call: 702-550-9061 Get a quote →