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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 were effectively unchanged yesterday. That was a relief after last Friday's moderate rise. But we're likely due more volatility toward the end of this week.

Earlier this morning, markets were signaling that mortgage rates today might hold steady or nudge lower. However, these early mini-trends frequently alter speed or switch direction as the hours pass.

Current mortgage and refinance rates

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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: http://www.freddiemac.com/research/insight/20180417_consumers_leaving_money.page
1. Source: Freddie Mac
2. Advertising disclosure: we receive advertising revenue from some partners.

Mortgage and refinance rates by state