National average rates as of . Compare 30-year, 15-year, FHA, VA, USDA, jumbo, and ARM rates to find the best mortgage for your situation.
National average rates as of . Rates vary by lender, credit score, loan-to-value ratio, and property location. Use these as benchmarks when shopping lenders — a 0.25% rate difference on a $400,000 loan saves over $20,000 in interest over 30 years.
Rates shown are for illustrative purposes. Actual rates depend on your credit score, LTV, location, and lender.
Borrowers with 760+ scores typically receive the best rates. Each 20-point drop in score can add 0.125%–0.25% to your rate.
A larger down payment (20%+) signals less risk to lenders, resulting in lower rates and eliminating PMI requirements.
Shorter loan terms (10 or 15 years) typically have lower rates than 30-year mortgages since the lender's risk exposure is shorter.
Primary residences get the best rates. Investment properties and vacation homes typically carry higher rates due to increased default risk.
Rates vary by state and metro area due to local market conditions, foreclosure laws, and competition among lenders.
FHA loans may have slightly higher rates but lower down payment requirements. VA loans often offer competitive rates for eligible veterans.
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