Today's Mortgage Rates
View mortgage rates today and estimate payments for common home loan options. Rates change daily based on market conditions and borrower qualifications.
Compare today's mortgage rates below or get a personalized quote in minutes.
Lock Today's RateRates for Buying, Refinancing & Home Equity Loans
Monthly payment examples below are based on a $400,000 loan amount with average borrower qualifications. Taxes, insurance, and HOA fees are not included. Actual payments and rates may vary.
Purchase Mortgage Rates →
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Refinance Cash-Out Rates →
Home Equity Rates →
Rates shown reflect current mortgage rates for example purposes only. Your actual mortgage rate will depend on
your credit score, loan amount, property type, occupancy, and market conditions at the time of application.
See How Mortgage Rates Affect Your Monthly Payment
Mortgage Calculator
Estimate your monthly mortgage payment by adjusting the loan amount, interest rate, and loan term. This calculator helps you see how today's mortgage rates affect your payment over time.
Refinance Calculator
Thinking about refinancing? This tool shows how current mortgage rates could lower your payment, shorten your loan term, or reduce total interest paid.
Home Equity Calculator
Find out how much equity you may be able to access from your home. This calculator estimates available equity and helps you explore options like HELOCs or cash-out refinancing. .
Mortgage rates are the interest rates charged on a home loan. They are determined by various factors including the economy, inflation, and the Federal Reserve's policies.
Mortgage rates vary based on current market conditions. While 4% rates have occurred in the past, current market rates are influenced by existing economic trends.
To get the lowest rate, you typically need a high credit score, a large down payment (20% or more), and a low debt-to-income ratio.
Factors include your personal financial profile (credit score, down payment), loan type, loan term, and broader economic factors like inflation and the bond market.
Lenders determine rates based on the market price of mortgage-backed securities, their own operational costs, and the risk profile of the individual borrower.