As of Oct 30, 2026 · updated dailyRate indices © Optimal Blue, LLC (OBMMI™), retrieved via FRED®. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
30-yr fixed
7.15%
↓ 0.08% vs last week
15-yr fixed
6.47%
↓ 0.25% vs last week
| More loan programs | Interest rate | Change |
|---|---|---|
| 30-Year FHA | 7.00% | ↓ 0.08% |
| 30-Year VA | 6.76% | ↓ 0.14% |
| 30-Year Jumbo | 7.36% | ↓ 0.12% |
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Mortgages, rates & refinancing — explained
How Mortgage Rates Are Set
Mortgage rates are the interest lenders charge to lend you money to buy or refinance a home.
3 min readHouse.ai Guide
What Moves Mortgage Rates
Mortgage rates move because the underlying bond market moves — a few recurring forces push them up or down.
3 min readHouse.ai Guide
Why Your Rate Differs From the Advertised Rate
The advertised rate is a representative average for strong credit; your quoted rate is personalized.
3 min readHouse.ai Guide