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Getting multiple rate quotes can save you nearly $3,000* over the life of your loan.

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What are today's average mortgage rates?

Average mortgage rates rose moderately yesterday. Just over a year ago, these rates hit their all-time low: 2.65%. But now they’re mostly closer to 4% than 3%. Still, that remains remarkably low by historical standards.

At last, it’s looking more likely that mortgage rates today will hold steady or fall rather than increase. But I suspect this will be a brief and shallow dip before more rises occur.

Find your lowest rate. Start here (Jan 20th, 2022)

Current mortgage and refinance rates 

Program Mortgage Rate APR* Change
Conventional 30 year fixed
Conventional 30 year fixed 3.87% 3.891% +0.14%
Conventional 15 year fixed
Conventional 15 year fixed 3.192% 3.23% +0.12%
Conventional 20 year fixed
Conventional 20 year fixed 3.72% 3.753% +0.24%
Conventional 10 year fixed
Conventional 10 year fixed 3.14% 3.215% +0.13%
30 year fixed FHA
30 year fixed FHA 3.91% 4.689% +0.13%
15 year fixed FHA
15 year fixed FHA 3.137% 3.751% +0.02%
5/1 ARM FHA 3.731% 3.961% +0.06%
30 year fixed VA
30 year fixed VA 3.946% 4.156% +0.31%
15 year fixed VA
15 year fixed VA 3.342% 3.684% +0.11%
5/1 ARM VA
5/1 ARM VA 3.412% 2.999% +0.13%
Rates are provided by our partner network, and may not reflect the market. Your rate might be different. Click here for a personalized rate quote. See our rate assumptions here.

* See our rate assumptions here.

What’s a mortgage rate?

A mortgage rate is the rate of interest charged by a mortgage lender. Mortgage rates can be either fixed (it stays the same for the term of the loan) or variable (the rate will adjust at some point during the term of the loan). Mortgage rates are determined by the lender and can vary depending on your unique situation — your credit score, loan term, and downpayment can all affect your mortgage rate.1

Why compare mortgage rates?

The more lenders you compare when shopping for mortgage rates, the more likely you are to get the lowest interest rate available for you. Getting a lower interest rate could save you hundreds of dollars over a year of mortgage payments — and thousands of dollars over the life of the loan. Yes, it definitely pays to shop around.2

* Source:
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

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Mortgage and refinance rates by state