Home Loan Rates Guide

Primary Mortgage Market Survey. ... The 30-Year Fixed-Rate Mortgage Declines Further * The 30-year fixed-rate mortgage averaged 6. Freddie Mac

As of late , home loan rates are finally showing signs of a "breather" after a highly volatile start to the year. The average 30-year fixed mortgage rate currently sits between 6.12% and 6.40% , representing the lowest levels seen in the last three spring homebuying seasons. Current Snapshot (April 28, 2026) Average national rates for primary home purchases: 30-Year Fixed: ~6.35% – 6.40% 15-Year Fixed: ~5.52% – 5.82% 30-Year Refinance: ~6.44% – 6.68% FHA/VA Loans: Often lower, ranging from 5.38% to 6.26% . The Story of 2026: Why Rates Are Wild home loan rates

The first quarter of 2026 was marked by unexpected spikes. While the Federal Reserve has maintained its benchmark rate around , mortgage rates surged in March due to external shocks: Mortgage Rates - Freddie Mac Primary Mortgage Market Survey