Today’s Mortgage Rates

Stay informed with clear, up-to-date mortgage pricing. We provide daily rate guidance and personalized quotes so you can make confident decisions without confusion.

Purchase Rates

Last Edited: December 26, 2025

Term

30-Year Fixed Rate

Rate

5.750%

Points

0.300

APR

5.822%

Term

FHA 30 Year Fixed

Rate

5.625%

Points

0.031

APR

6.219%

Term

VA 30 Year Fixed

Rate

5.625%

Points

0.344

APR

5.831%

Term

USDA 30-Year Fixed

Rate

5.500%

Points

0.085

APR

5.892%

Refinance Rates

Last Edited: December 26, 2025

Term

30-Year Fixed Rate

Rate

5.750%

Points

0.425

APR

5.834%

Term

FHA 30 Year Fixed

Rate

5.625%

Points

0.031

APR

6.219%

Term

VA 30 Year Fixed

Rate

5.625%

Points

0.344

APR

5.655%

Term

USDA 30-Year Fixed

Rate

5.500%

Points

0.085

APR

5.892%

Rates are based on a Purchase transaction for a single-family home that is your primary residence, with a loan of $300k, 780 credit score, purchase price or appraisal of $400k, a debt-to-income ratio of less than 40%. APR includes total lender fees of $1,115 for underwriting, processing, and originating. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Loans with less than 20% down payment may require Private Mortgage Insurance. Rates are subject to change without notice based on market changes. Rates are based on a 28-day lock.

Points are the percentage of the loan amount that is either charged or given as a credit at closing for that specific interest rate. A positive number represents a charge for that rate; a negative number represents a credit given for that rate.

(National average)