Current Rates
Today's Mortgage Rates
Reference rates for common loan types. Use these as a benchmark when running calculations and comparing lender offers.
Last Updated
January 15, 2024
Important: Rates shown are informational estimates only and do not represent a mortgage offer. Your actual rate will depend on your credit score, loan type, lender, location, and other factors. Request a free personalized quote.
| Loan Type | Interest Rate | APR | Points | Notes |
|---|---|---|---|---|
| 5/1 ARM | 6.250% | 7.150% | 0.00 | Rate adjusts after 5 years |
| 10-Year Fixed | 6.375% | 6.510% | 0.00 | Lowest rate option |
| 7/1 ARM | 6.375% | 7.050% | 0.00 | Rate adjusts after 7 years |
| 15-Year Fixed | 6.500% | 6.620% | 0.00 | Best for aggressive payoff |
| 30-Year VA | 6.500% | 6.610% | 0.00 | For eligible veterans & service members |
| 15-Year Refinance | 6.625% | 6.740% | 0.00 | Popular refinance option |
| 30-Year FHA | 6.750% | 7.810% | 0.00 | FHA-insured, lower down payment |
| 20-Year Fixed | 6.875% | 6.975% | 0.00 | Lower rate, higher payment |
| 30-Year Fixed | 7.125% | 7.210% | 0.00 | Most popular loan type |
| 30-Year Refinance | 7.250% | 7.340% | 0.00 | Current refinance benchmark |