Mortgage Rates Today — Compare All Loan Types

Current mortgage rates from lenders nationwide — updated daily. Compare 30-year fixed, 15-year fixed, FHA, VA, refinance rates and more across all 50 states.

6.58%30-yr Fixed

5.90%15-yr Fixed

6.69%5/1 ARM

6.25%FHA 30-yr

6.10%VA 30-yr

6.70%Refi 30-yr

All loan types

🏦30-Year Fixed

6.58% APR

How to choose the right loan type

First-time buyer?

Start with FHA if your credit score is below 740 or you have less than 20% down. Compare with conventional using our FHA vs Conventional Calculator.

Military veteran?

Always check VA loan eligibility first. The combination of zero down, no PMI, and the lowest rates makes VA loans the best product available for those who qualify.

Can afford higher payments?

The 15-year fixed saves $150,000–$200,000 in interest vs 30-year. If you can handle the higher monthly payment, the long-term savings are exceptional.

Already have a mortgage?

Check if refinancing makes sense. Use our Refinance Break-Even Calculator to find your exact payback period before committing to closing costs.

What affects your mortgage rate?

Your individual rate depends on several key factors: your credit score (740+ gets the best rates), your down payment (20%+ eliminates PMI and often improves your rate), your loan amount (jumbo loans above $766,550 carry slightly higher rates), your loan type (VA and FHA often beat conventional), and broader market conditions driven by the Federal Reserve and Treasury yields.

The spread between the best and worst rate you might be offered for the same loan can be 0.5–1.0%. On a $400,000 mortgage, a 0.5% rate difference equals over $40,000 in total interest. Always compare at least 3–5 lenders before committing.

Disclaimer: Rates shown are national averages for informational purposes only. Actual rates vary by lender, state, credit profile, and loan amount. State Loan Rates is not a lender or broker. Full disclaimer →