Current Mortgage Rates: See How Today's Rates Compare

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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Current Mortgage Rates: See How Today's Rates Compare","alternativeHeadline":"Compare Current Mortgage Rates","image":{"@type":"ImageObject","url":"https://i.insider.com/5f05dbc53ad86122ad40d795?width=1156&format=jpeg","width":1156,"height":867,"caption":"Some of the factors that influence your mortgage rate are ones you can control, like your credit and debts."},"name":"Compare Current Mortgage Rates","datePublished":"2024-11-21T22:56:05Z","dateModified":"2024-11-21T22:56:05Z","description":"See average mortgage rates today and learn about what influences rates, how they compare to previous years, and what borrowers can expect in 2024.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.As rates go down, more people should be able to buy a home or refinance their current mortgage. See how home interest rates are trending today and where they might go in the future.Mortgage rates have increased recently. In October 2024, 30-year mortgage rates averaged around 6.24%, according to Zillow data. Average 15-year mortgage rates were 5.56%.Today's mortgage interest rates are even higher. Fortunately, most experts believe that mortgage rates will go down somewhat in 2025 as inflation slows and the Fed continues lowering the federal funds rate.See how mortgage rates are trending today.Check your rate online and see how much house you can afford with Mortgage Research Center.See how mortgage rates have trended over the last five years, according to Freddie Mac data.Throughout 2020, the average mortgage rate fell drastically due to the economic impact of the COVID-19 pandemic. Thirty-year fixed mortgage rates hit a historic low of 2.65% in January 2021, according to Freddie Mac. Rates began to rise again in 2022.Most major forecasts expect rates to start dropping throughout the next few years, and they could ultimately end up somewhere in the 5% range.Rates can vary depending on where you live. Check the latest rates in your state at the links below. AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowa KansasKentuckyLouisianaMaine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota TennesseeTexas Utah Vermont Virginia Washington Washington, DC West Virginia Wisconsin WyomingPurchase mortgageThe rates you'll get on a mortgage used to purchase a home are often better than what you'll be quoted for a refinance. There are many different types of mortgages you can get, and all come with their own typical rates. A few of the most popular types include:Mortgage refinanceMortgage refinance rates typically differ somewhat from purchase rates, and may be slightly higher — particularly if you're getting a cash-out refinance, since these are considered riskier.If you're considering a refinance, be sure to shop around with the best mortgage refinance lenders and get multiple rate quotes to be sure you're getting the best deal.You can refinance into the same type of mortgage you have or a different type. For example, you can refinance from an ARM to another ARM, though many borrowers opt to refinance from an ARM to a fixed-rate mortgage when rates are down so they can lock in a low rate. Refinancing from a government-backed mortgage into that same type of mortgage is called a streamline refinance. These come with a simpler process and don't require an appraisal. Home equity line of credit (HELOC) and home equity loansHELOC rates and home equity loan rates are generally a little higher than rates on first mortgages, but they can still be worth it if you're looking to tap into your home's equity without having to take on a new rate on your main mortgage.As with other types of mortgages, you'll want to shop around and get multiple rate quotes to find the best HELOC lenders or home equity loan lenders.Data from credit scoring company FICO shows that the lower your credit score, the more you'll pay in mortgage interest. Here's the average interest rate by credit level for a 30-year fixed-rate mortgage of $300,000, as of October 2024:620 to 639640 to 659660 to 679680 to 699700 to 759760 to 850According to FICO, only people with credit scores above 660 will truly see interest rates around the national average.Inflation has slowed significantly in the last couple of years, and the Federal Reserve recently started cutting rates. This helped mortgage rates fall in September, but they've since ticked back up thanks to strong economic data. If the economy remains strong, we may not see rates drop as much as expected in 2025.Expert forecasts are generally predicting that mortgage rates will hold steady for the rest of 2024 and go down a bit in 2025. Fannie Mae's latest forecast, for example, sees mortgage rates ending this year at 6.60% and falling to 6.30% by the end of 2025. The Mortgage Bankers Association's outlook also has rates ending 2024 at 6.60% and then reaching 6.40% by the end 2025.Ultimately, how much rates fall depends on the Fed and how the economy evolves in the coming months and years. High mortgage rates have kept home prices from rising too rapidly this year, and the pace of increases may slow next year. In October 2024, the median sales price for existing homes was $407,200, according to the National Association of Realtors, up 4% from a year ago.The MBA predicts that home prices will be up 3.8% by the end of 2024 and 1.5% in 2025. Fannie Mae says they could end this year up 5.8% and increase 3.6% in 2025.Falling mortgage rates often increase demand and put upward pressure on home prices. But as rates go down, homeowners who have been waiting for lower rates may be more willing to list their homes, increasing inventory. This should help prices from rising too quickly next year.Your rate has a direct impact on how much house you can afford. Snagging a lower rate can enable you to borrow more money, boosting your homebuying power. For example, say you can afford to spend $2,000 per month on your mortgage payment (not including taxes and insurance). With a rate of 7%, you could borrow around $300,000. But with a 4% rate, you could afford to borrow as much as $400,000.If you're buying when rates are high, you'll need to adjust your homebuying plans accordingly. You might need to lower your price range or make a larger down payment to achieve an affordable monthly payment.You should also be careful about overspending in a low-rate environment. Though you may be able to borrow a larger amount with a low rate, make sure you aren't stretching your budget too far. You don't necessarily need to borrow the full amount the mortgage lender approves you for.How current mortgage rates are trending doesn't only impact people thinking about buying. If you own your home and pay a mortgage, you might want to see if you can save money by refinancing. Deciding when to refinance your mortgage depends on both current rate trends and your own goals.If mortgage rates today are lower than the rate on your mortgage, you could lower your monthly payment by refinancing. But refinancing costs money, so you'll want to make sure your monthly savings make it worthwhile.You can also refinance to take cash out of your home. This can be beneficial if you need to pay for a big home repair or upgrade. But if it means taking on a higher interest rate, it might not be worth it. Multiple factors affect the interest rate you'll pay on a mortgage. Some are outside your control. Others you can influence.Key determining factors that you do have control over include:The better your finances, the better the rate you'll get. But remember that rates can also vary a lot depending on the type of mortgage you get. FHA rates are typically lower than conventional rates, for example. Or an ARM rate might be lower initially than a fixed rate, but you won't have the security of knowing your rate won't change over the years.Rates also vary by lender, so be sure to comparison shop to ensure you get the best rate available (more on that further down).No matter how good your finances are, you won't be able to get a rate that's dramatically lower than average. Rates are determined in large part by economic trends and how those trends affect investor demand for mortgage-backed securities. Geopolitical trends or uncertainties can also cause mortgage rates to swing up or down.When there's a lot of economic growth, mortgage rates typically go up. In recent years, high inflation has pushed mortgage rates up. When growth is slower, rates often go down.Federal Reserve policy can influence mortgage rates. When the Fed raises or lowers the federal funds rate, mortgage rates can move up or down as well based on how investors believe Fed changes will impact the broader economy.Lately, mortgage rates have been very sensitive to inflation and labor market data. As this economic data has shifted market expectations around Fed rate cuts, mortgage rates have fluctuated.Mortgage rates vary among different loan types. Government-backed mortgages often have lower rates than conventional loans, though some also come with other fees that might offset some of the benefit of a lower rate (for example, the required upfront and annual mortgage insurance premium on FHA loans). ARMs sometimes start out with lower rates than fixed-rate mortgages. This can be beneficial if you want to keep your monthly payment low and you plan to refinance or sell before the rate starts adjusting in a few years. One of the best ways to score a good rate is to get approved with at least two or three different lenders and compare the rates they offer you. Rates can vary a lot by lender, and some mortgage lenders may be significantly more affordable than others.If you don't want to do this work yourself, you might want to work with a mortgage broker, who can gather offers from many different lenders and help you compare loan options.A mortgage calculator is a useful tool to see how different rates can impact your monthly payment. For example, on a $400,000 loan, a 6.70% rate results in a monthly payment of $2,581, while a 6.30% rate results in a monthly payment of $2,476 — a more than $100 difference.Once you have offers from a few different lenders, be sure to compare both the rates they're offering as well as other costs associated with getting the loan. Many lenders charge origination fees, which you'll pay at closing. Your interest rate tells you how much you'll pay to borrow the funds. The loan's APR shows you the full cost of the loan, including your interest rate plus any fees, points, or other costs you'll incur.When comparing lenders, looking at both the interest rates and APRs you're quoted can give you an idea of whether any lenders have low rates but high fees or vice versa. Ideally, you'll want a lender that has both low rates and relatively low fees.When you apply for a mortgage, you'll get a loan estimate that allows you to see the expected costs with a given lender. This is a detailed document that estimates how much your mortgage will cost, both up front and each month. Comparing loan estimates from multiple lenders will give you a look at how much you could end up spending on both interest and closing costs. This is similar to comparing APRs, but much more in-depth.Once you've been approved for a mortgage, your lender may give you the option to lock in your rate. Since rates fluctuate every day, a rate lock ensures you keep your current rate and avoid increases before you close on your loan. However, if rates decrease after you lock your rate, you won't be able to take advantage of it unless your lender offers a float down option. Your loan officer can help you figure out when a good time to lock in your rate might be. Rate locks typically last between 30 and 90 days, though you may have the option to extend it if you need to (for a fee).You can also get a better rate by paying for one. By purchasing mortgage points (also called discount points), you'll lower your interest rate by a certain amount. A mortgage point costs 1% of the loan amount and lowers your rate by 0.25 percentage points. You can also get a temporary buydown to lower your rate for a period of time. For example, a 2-1 buydown lowers your rate by two percentage points for the first year you have the loan, then by one percentage point for the second year. After that, the rate returns to normal. Your credit score and down payment can greatly affect the price you'll pay to borrow a mortgage.The higher your score is, the less you'll pay to borrow money. Generally, 620 is the minimum credit score needed to buy a house, with some exceptions for government-backed loans. You'll also need to make a down payment. Conventional loans require a minimum of 3% down, but putting down more can unlock a better rate. If you're having trouble getting a good rate, you might want to work on improving your credit or saving for a larger down payment and reapply later. You should consider whether a lender has features that you find beneficial. Some lenders offer more flexibility for borrowers with lower credit scores or no credit history. Others may be a good option for first-time homebuyers, offering down payment assistance or affordable mortgage programs for these types of buyers.In October 2024, 30-year mortgage rates averaged 6.24%. But they've been higher than this recently.If you need to buy a house, you might not want to or be able to wait until rates drop. There can be benefits to buying when rates are high. You can often get a better deal on a home, since you won't be up against as much competition.The better your credit score, the better the rate you'll get on your mortgage. To access the best mortgage interest rates, aim to have a credit score at least in the 700s.Mortgage rates are currently lower than they were a year ago.To get a lower rate, you'll want to have a great credit score, a large down payment, and a low debt-to-income ratio.","articleSection":"Personal Finance, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the average 30-year mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">In October 2024, 30-year mortgage rates averaged 6.24%. But they've been higher than this recently.</p>"}},{"@type":"Question","name":"Are there benefits to buying a home when average mortgage rates are higher?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">If you need to buy a house, you might not want to or be able to wait until rates drop. There can be benefits to buying when rates are high. You can often get a better deal on a home, since you won't be up against as much competition.</p>"}},{"@type":"Question","name":"What credit score gets you the best mortgage rate?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The better your credit score, the better the rate you'll get on your mortgage. 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data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">Compare Current Mortgage Rates</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <div class="byline-updated"> Updated </div> <time 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class="sticky-toc-link helpfulness-mobile-toc" href="#compare-current-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#mortgage-rate-trends" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Mortgage rate trends </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#mortgage-rate-outlook" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Mortgage rate outlook </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#impact-on-homebuyers-and-owners" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Impact on homebuyers and owners </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-are-mortgage-rates-determined?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How are mortgage rates determined? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-get-the-best-mortgage-rate" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get the best mortgage rate </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Mortgage rate outlook </a> </li> <li> <a href="#impact-on-homebuyers-and-owners" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Impact on homebuyers and owners </a> </li> <li> <a href="#how-are-mortgage-rates-determined?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How are mortgage rates determined? </a> </li> <li> <a href="#how-to-get-the-best-mortgage-rate" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get the best mortgage rate </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>As rates go down, more people should be able to buy a home or <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">refinance</a> their current mortgage. See how home interest rates are trending today and where they might go in the future.</p><h2 data-toc-label="Today's mortgage rates" id="today's-mortgage-rates" class="toc-anchor">Today's mortgage rates</h2><p>Mortgage rates have increased recently. In October 2024, 30-year mortgage rates averaged around 6.24%, according to Zillow data. Average 15-year mortgage rates were 5.56%.</p><p>Today's mortgage interest rates are even higher. Fortunately, most experts believe that <a href="https://www.businessinsider.com/personal-finance/mortgages/will-mortgage-rates-go-down-this-year" data-analytics-product-module="body_link" rel="">mortgage rates will go down</a> somewhat in 2025 as inflation slows and the Fed continues lowering the federal funds rate.</p><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> </div><h2 data-toc-label="Compare current rates" id="compare-current-rates" class="toc-anchor">Compare current mortgage rates today</h2><p>See how mortgage rates are trending today.</p> <div class="mortgage-rates-table-wrapper" data-component-type="mortgage-rates-table" data-root-margin="0px 0px 100% 0px"> <div class="mortgage-rates-table-container"> <span class="mortgage-rates-timestamp headline-regular"></span> <div class="horizontal-scroll"><table class="mortgage-rates-table table-content new-rates daily "> <tbody class="table-content-body headline-regular"> <tr> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Mortgage type</strong> </td> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Average rate today</strong> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> </tbody> </table></div> </div> <div class="mortgage-rates-table-credits body-italic"> <span class="mortgage-rates-table-text">This information has been provided by Zillow. See more <a class="not-content-link mortgage-rates-table-link" href="https://www.zillow.com/mortgage-rates/" target="_blank" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click">mortgage rates</a> on Zillow</span> <a href="https://zillow.com" target="_blank" class="not-content-link mortgage-rates-table-logo" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click"> <svg id="Logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1911 400"><defs><style>.cls-1{fill:#006aff;}</style></defs><title>Real Estate on Zillow</title><path class="cls-1" d="M1460.41,148.57h77.77l22.54,73.68c7.52,24.41,20.09,70.24,20.09,70.24a.6.6,0,0,0,1.13,0s13-46.68,20.42-70.24L1626,148.57h57.44l23.23,73.68c7.85,25.25,20,70.22,20,70.22a.6.6,0,0,0,1.15,0s12.63-45.54,20.07-70.22l22.55-73.68h72.28l-78.19,243.55h-71.13L1674,331c-7.45-24-20.55-70.57-20.55-70.57a.6.6,0,0,0-1.15,0s-13.1,45.68-20.95,70.15l-19.77,61.59h-72.41Z"></path><rect class="cls-1" x="936.81" y="19.92" width="78.71" height="372.21"></rect><rect class="cls-1" x="1073.84" y="19.91" width="78.72" height="372.21"></rect><path class="cls-1" d="M1380.68,271.18c0-36.24-25.85-60.9-56.46-60.9-31.34,0-57.19,24.66-57.19,60.9,0,36.48,25.85,60.9,57.19,60.9,30.61,0,56.46-24.42,56.46-60.9m-189.16,0c0-74,59.68-128.81,132.7-128.81,72.29,0,132,54.84,132,128.81,0,74.21-59.68,129.05-132,129.05-73,0-132.7-54.84-132.7-129"></path><path class="cls-1" d="M481.46,54.36v71.76H620.58c.57,0,.78.52.49,1L481.4,364.48c-3.36,6.17-4.16,7.49-4.16,13.65v14h271V320.49H597.69a.62.62,0,0,1-.5-1L738.48,79c1.12-2.34,2.3-4,2.3-9.64l.05-15Z"></path><path class="cls-1" d="M798.37,148.58h78.7V392.13h-78.7Zm39.35-122c24.54,0,44.82,19.8,44.82,44.19S862.26,115,837.72,115s-44.81-19.8-44.81-44.2S813.18,26.6,837.72,26.6"></path><path class="cls-1" d="M242.17,106.29c1.8-.44,2.63.2,3.71,1.41,6.16,6.93,26,31.1,31.4,37.71a2.12,2.12,0,0,1-.49,3.16c-40,31.22-84.49,75.38-109.3,107-.53.67-.09.72.26.57,43.21-18.6,144.67-48.27,190.44-56.59V141.64L179.28.23.05,141.64v63.29C55.61,171.91,184,120.8,242.17,106.29Z"></path><path class="cls-1" d="M96.63,349.5a3,3,0,0,1-3.88-.57L59.34,309.14c-.93-1.08-1-1.65.18-3.41C85.32,267.88,138,209,171.59,184.05c.6-.44.44-.86-.26-.63-35,11.44-134.47,54.17-171.28,75V393.6H358.18V263.5C309.27,271.81,163.08,315.27,96.63,349.5Z"></path><path class="cls-1" d="M1895.2,113.87c0-7-4.86-11.91-11.67-11.91H1871v34h5.59V125.77h5.49L1888.3,136h6.36l-6.7-11C1892.33,123.34,1895.2,119.16,1895.2,113.87Zm-12,6.9h-6.61V107h6.61c3.7,0,6.42,2.92,6.42,6.91S1886.89,120.77,1883.19,120.77Z"></path><path class="cls-1" d="M1881.84,90.16a29.38,29.38,0,1,0,29.38,29.37A29.41,29.41,0,0,0,1881.84,90.16Zm0,53.11a23.74,23.74,0,1,1,23.74-23.74A23.77,23.77,0,0,1,1881.84,143.27Z"></path></svg> </a> </div> </div><aside class="quick-tip headline-regular ignore-typography"><p style="text-align: center;"><strong>Check your rate online and see how much house you can afford with <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="6733950d86b93685c2ef9251" data-analytics-product-brand="Mortgage Research Center" data-analytics-product-name="Mortgage Research Center" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74242-20&h=4975783d9e135449b1bddeb0aaef867854ea53f7b18d9e6451618590ca66d006&platform=browser&postID=669be17a20eaab25bc1e3303&postSlug=personal-finance%2Fmortgages%2Faverage-mortgage-interest-rate&site=bi&u=https%3A%2F%2Fmortgageresearchcenterllc.sjv.io%2Fc%2F4722637%2F1815827%2F21156%3Fp.go%3Dmap%26p.desc%3Dprequalify" data-am-orig-url="https://affiliate.insider.com/?h=4975783d9e135449b1bddeb0aaef867854ea53f7b18d9e6451618590ca66d006&u=https%3A%2F%2Fmortgageresearchcenterllc.sjv.io%2Fc%2F4722637%2F1815827%2F21156%3Fp.go%3Dmap%26p.desc%3Dprequalify">Mortgage Research Center</a></strong><strong>.</strong></p></aside><h2 data-toc-label="Mortgage rate trends" id="mortgage-rate-trends" class="toc-anchor">Current mortgage rate trends</h2><h3>Comparison with previous years</h3><p>See how mortgage rates have trended over the last five years, according to Freddie Mac data.</p><div class="insider-raw-embed" data-type="embed" data-embed-type="raw" id="5e0126df-04cb-4845-98e3-afcb2bee0317"><iframe title="Weekly mortgage rates over the last 5 years" aria-label="Interactive line chart" id="datawrapper-chart-dBxcL" src="https://datawrapper.dwcdn.net/dBxcL/2/" scrolling="no" frameborder="0" style="width: 0; min-width: 100% !important; border: none;" height="503"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(e){if(void 0!==e.data["datawrapper-height"]){var t=document.querySelectorAll("iframe");for(var a in e.data["datawrapper-height"])for(var r=0;r<t.length;r++){if(t[r].contentWindow===e.source)t[r].style.height=e.data["datawrapper-height"][a]+"px"}}}))}();</script></div><p>Throughout 2020, the average mortgage rate fell drastically due to the economic impact of the COVID-19 pandemic. Thirty-year fixed mortgage rates hit a historic low of 2.65% in January 2021, according to Freddie Mac. Rates began to rise again in 2022.</p><p>Most major forecasts expect rates to start dropping throughout the next few years, and they could ultimately end up somewhere in the 5% range.</p><h3>Mortgage rates by state</h3><p>Rates can vary depending on where you live. Check the latest rates in your state at the links below. </p><p style="column-count: 3; font-size: 13px; font-style: normal; margin: 0;"><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel="">Alabama</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alaska-mortgage-calculator-2" data-analytics-product-module="body_link" rel="">Alaska</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#arizona-mortgage-calculator-3" data-analytics-product-module="body_link" rel="">Arizona</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#arkansas-mortgage-calculator-4" data-analytics-product-module="body_link" rel="">Arkansas</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#california-mortgage-calculator-5" data-analytics-product-module="body_link" rel="">California</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#colorado-mortgage-calculator-6" data-analytics-product-module="body_link" rel="">Colorado</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#connecticut-mortgage-calculator-7" data-analytics-product-module="body_link" rel="">Connecticut</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#delaware-mortgage-calculator-8" data-analytics-product-module="body_link" rel="">Delaware</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#florida-mortgage-calculator-9" data-analytics-product-module="body_link" rel="">Florida</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#georgia-mortgage-calculator-10" data-analytics-product-module="body_link" rel="">Georgia</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#hawaii-mortgage-calculator-11" data-analytics-product-module="body_link" rel="">Hawaii</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#daho-mortgage-calculator-12" data-analytics-product-module="body_link" rel="">Idaho</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#illinois-mortgage-calculator-13" data-analytics-product-module="body_link" rel="">Illinois</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#indiana-mortgage-calculator-14" data-analytics-product-module="body_link" rel="">Indiana</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#iowa-mortgage-calculator-15" data-analytics-product-module="body_link" rel="">Iowa</a><a href="https://www.businessinsider.com/personal-finance/taxes/how-long-to-keep-tax-returns" data-analytics-product-module="body_link" rel=""> </a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#kansas-mortgage-calculator-16" data-analytics-product-module="body_link" rel="">Kansas</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#kentucky-mortgage-calculator-17" data-analytics-product-module="body_link" rel="">Kentucky</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#louisiana-mortgage-calculator-18" data-analytics-product-module="body_link" rel="">Louisiana</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#maine-mortgage-calculator-19" data-analytics-product-module="body_link" rel="">Maine</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#maryland-mortgage-calculator-20" data-analytics-product-module="body_link" rel="">Maryland</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#massachusetts-mortgage-calculator-21" data-analytics-product-module="body_link" rel="">Massachusetts</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#michigan-mortgage-calculator-22" data-analytics-product-module="body_link" rel="">Michigan</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#minnesota-mortgage-calculator-23" data-analytics-product-module="body_link" rel="">Minnesota</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#mississippi-mortgage-calculator-24" data-analytics-product-module="body_link" rel="">Mississippi</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#missouri-mortgage-calculator-25" data-analytics-product-module="body_link" rel="">Missouri</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#montana-mortgage-calculator-26" data-analytics-product-module="body_link" rel="">Montana</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#nebraska-mortgage-calculator-27" data-analytics-product-module="body_link" rel="">Nebraska</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#nevada-mortgage-calculator-28" data-analytics-product-module="body_link" rel="">Nevada</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#new-hampshire-mortgage-calculator-29" data-analytics-product-module="body_link" rel="">New Hampshire</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#new-jersey-mortgage-calculator-30" data-analytics-product-module="body_link" rel="">New Jersey</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#new-mexico-mortgage-calculator-31" data-analytics-product-module="body_link" rel="">New Mexico</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#new-york-mortgage-calculator-32" data-analytics-product-module="body_link" rel="">New York</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#north-carolina-mortgage-calculator-33" data-analytics-product-module="body_link" rel="">North Carolina</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#north-dakota-mortgage-calculator-34" data-analytics-product-module="body_link" rel="">North Dakota</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#ohio-mortgage-calculator-35" data-analytics-product-module="body_link" rel="">Ohio</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#oklahoma-mortgage-calculator-36" data-analytics-product-module="body_link" rel="">Oklahoma</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#oregon-mortgage-calculator-37" data-analytics-product-module="body_link" rel="">Oregon</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#pennsylvania-mortgage-calculator-38" data-analytics-product-module="body_link" rel="">Pennsylvania</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#rhode-island-mortgage-calculator-39" data-analytics-product-module="body_link" rel="">Rhode Island</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#south-carolina-mortgage-calculator-40" data-analytics-product-module="body_link" rel="">South Carolina</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#south-dakota-mortgage-calculator-41" data-analytics-product-module="body_link" rel="">South Dakota</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#tennessee-mortgage-calculator-42" data-analytics-product-module="body_link" rel="">Tennessee</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""><br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#texas-mortgage-calculator-43" data-analytics-product-module="body_link" rel="">Texas</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#utah-mortgage-calculator-44" data-analytics-product-module="body_link" rel="">Utah</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#vermont-mortgage-calculator-45" data-analytics-product-module="body_link" rel="">Vermont</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#virginia-mortgage-calculator-46" data-analytics-product-module="body_link" rel="">Virginia</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#washington-mortgage-calculator-47" data-analytics-product-module="body_link" rel="">Washington</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#washington-dc-mortgage-calculator-48" data-analytics-product-module="body_link" rel="">Washington, DC</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#west-virginia-mortgage-calculator-49" data-analytics-product-module="body_link" rel="">West Virginia</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#wisconsin-mortgage-calculator-50" data-analytics-product-module="body_link" rel="">Wisconsin</a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#alabama-mortgage-calculator-1" data-analytics-product-module="body_link" rel=""> <br></a><a href="https://www.businessinsider.com/personal-finance/mortgages/state-mortgage-rates#wyoming-mortgage-calculator-51" data-analytics-product-module="body_link" rel="">Wyoming</a></p><h3>Rates by type of mortgage</h3><p><strong>Purchase mortgage</strong></p><p>The rates you'll get on a mortgage used to purchase a home are often better than what you'll be quoted for a refinance. There are many different <a href="https://www.businessinsider.com/personal-finance/mortgages/types-of-mortgage-loans" data-analytics-product-module="body_link" rel="">types of mortgages</a> you can get, and all come with their own typical rates. A few of the most popular types include:</p><ul><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-mortgage-rates" rel="">30-year mortgage rates</a>:</strong> The most popular type of mortgage, this fixed-rate home loan makes for low monthly payments by spreading the amount over 30 years. Because the rate is fixed, your interest rate won't change over the life of the loan. But 30-year mortgages have higher average rates compared to loans with shorter terms.</li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/15-year-mortgage-rates" rel="">15-year mortgage rates</a>: </strong>This is another fixed-rate loan, meaning your rate and payment will stay the same. It has higher monthly payments since payments are spread over a shorter period of time. However, it comes with lower rates than a 30-year loan.</li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/arm-rates-today" rel="">ARM rates</a>:</strong> Adjustable-rate mortgages, or ARMs, start with a fixed rate for a period of time. After that, your rate can change once or twice a year. ARM rates are sometimes lower than fixed rates initially, but be aware that your rate, and thus your monthly payment, can go up over time as the rate adjusts. </li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/fha-interest-rates" target="_blank" rel="noopener">FHA interest rates</a>:</strong> Because FHA loans are a type of government-backed mortgage, their rates are typically lower than regular mortgage rates, making them more affordable for many borrowers. They also allow down payments of just 3.5%. But you'll need to pay FHA mortgage insurance for the life of the loan, which can be expensive compared to private mortgage insurance. </li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/current-va-mortgage-rates" rel="">VA mortgage rates</a>:</strong> This is also a type of government-backed mortgage. VA interest rates are often as low as or lower than FHA rates. VA loans also require no down payment and no mortgage insurance. But you'll need to be a military member or veteran to be eligible for one.</li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-a-jumbo-loan" rel="">Jumbo mortgage rates</a>:</strong> If you need a mortgage that exceeds the conforming loan limit ($766,550 in 2024), you'll have to get a jumbo loan. Jumbo mortgage rates vary by lender, but they may be comparable to conforming loan rates.</li></ul><p><strong>Mortgage refinance</strong></p><p><a href="https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates" data-analytics-product-module="body_link" rel="">Mortgage refinance rates</a> typically differ somewhat from purchase rates, and may be slightly higher — particularly if you're getting a cash-out refinance, since these are considered riskier.</p><p>If you're considering a refinance, be sure to shop around with the <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-analytics-product-module="body_link" rel="">best mortgage refinance lenders</a> and get multiple rate quotes to be sure you're getting the best deal.</p><ul><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-refinance-rates" rel="">30-year mortgage refinance rates</a>: </strong>Refinancing into a 30-year term can lower your monthly payment since you're spreading out what you owe over a longer period of time. But you'll pay more in interest over the life of the loan.</li><li><strong><a href="https://www.businessinsider.com/personal-finance/mortgages/15-year-refinance-rates" rel="">15-year mortgage refinance rates</a>: </strong>Refinancing into a shorter term like a 15-year mortgage will increase your monthly payment, but help you save on interest.</li></ul><p>You can refinance into the same type of mortgage you have or a different type. For example, you can refinance from an ARM to another ARM, though many borrowers opt to refinance from an ARM to a fixed-rate mortgage when rates are down so they can lock in a low rate. </p><p>Refinancing from a government-backed mortgage into that same type of mortgage is called a <a href="https://www.businessinsider.com/personal-finance/mortgages/streamline-refinance" data-analytics-product-module="body_link" rel="">streamline refinance</a>. These come with a simpler process and don't require an appraisal. </p><p><strong>Home equity line of credit (HELOC) and home equity loans</strong></p><p><a href="https://www.businessinsider.com/personal-finance/mortgages/current-heloc-rates" data-analytics-product-module="body_link" rel="">HELOC rates</a> and home equity loan rates are generally a little higher than rates on first mortgages, but they can still be worth it if you're looking to tap into your home's equity without having to take on a new rate on your main mortgage.</p><p>As with other types of mortgages, you'll want to shop around and get multiple rate quotes to find the best HELOC lenders or home equity loan lenders.</p><h3>Average mortgage rate by credit score</h3><p>Data from credit scoring company <a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-74242-20&h=70f7d9626b354b8c09bca2d6b0a6a3d851ca4c078e52df040f425f24c87f30a4&platform=browser&postID=669be17a20eaab25bc1e3303&postSlug=personal-finance%2Fmortgages%2Faverage-mortgage-interest-rate&site=bi&u=https%3A%2F%2Fwww.myfico.com%2Floan-center%2Fhome-mortgage-rate-comparison%2Fdefault.aspx" target="_blank" rel="noopener nofollow noindex" data-analytics-product-module="body_link" data-am-orig-url="https://affiliate.insider.com/?h=70f7d9626b354b8c09bca2d6b0a6a3d851ca4c078e52df040f425f24c87f30a4&u=https%3A%2F%2Fwww.myfico.com%2Floan-center%2Fhome-mortgage-rate-comparison%2Fdefault.aspx">FICO</a> shows that the lower your credit score, the more you'll pay in mortgage interest. Here's the average interest rate by credit level for a 30-year fixed-rate mortgage of $300,000, as of October 2024:</p><div class="horizontal-scroll"><table style="height: 141px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10 px" class="table-content"><tbody class="table-content-body"><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">FICO Score</strong></td><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">National average mortgage APR</strong></td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><p class="headline-regular">620 to 639</p></td><td id="rate5" style="width: 50%; height: 20px;" class="headline-regular">6.575%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><p class="headline-regular">640 to 659</p></td><td id="rate4" style="width: 50%; height: 20px;" class="headline-regular">6.566%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 21px;" class="headline-regular headline-semibold"><p class="headline-regular">660 to 679</p></td><td id="rate3" style="width: 50%; height: 21px;" class="headline-regular">6.563%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><p class="headline-regular">680 to 699</p></td><td id="rate2" style="width: 50%; height: 20px;" class="headline-regular">6.560%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><p class="headline-regular">700 to 759</p></td><td id="rate1" style="width: 50%; height: 20px;" class="headline-regular">6.555%</td></tr><tr style="height: 20px;"><td style="width: 50%; height: 20px;" class="headline-regular headline-semibold"><p class="headline-regular">760 to 850</p></td><td style="width: 50%; height: 20px;" class="headline-regular">6.547%</td></tr></tbody></table></div><p>According to FICO, only people with credit scores above 660 will truly see interest rates around the national average.</p><h2 data-toc-label="Mortgage rate outlook" id="mortgage-rate-outlook" class="toc-anchor">Mortgage rate outlook</h2><p>Inflation has slowed significantly in the last couple of years, and the <a href="https://www.businessinsider.com/personal-finance/investing/what-is-the-federal-reserve" data-analytics-product-module="body_link" rel="">Federal Reserve</a> recently started cutting rates. This helped mortgage rates fall in September, but they've since ticked back up thanks to strong economic data. If the economy remains strong, we may not see rates drop as much as expected in 2025.</p><h3>Expert forecasts and potential rate changes </h3><p>Expert forecasts are generally predicting that mortgage rates will hold steady for the rest of 2024 and go down a bit in 2025. <a href="https://www.fanniemae.com/media/53846/display" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Fannie Mae's</a> latest forecast, for example, sees mortgage rates ending this year at 6.60% and falling to 6.30% by the end of 2025. The <a href="https://www.mba.org/news-and-research/forecasts-and-commentary" data-analytics-product-module="body_link" rel=" nofollow">Mortgage Bankers Association's</a> outlook also has rates ending 2024 at 6.60% and then reaching 6.40% by the end 2025.</p><p>Ultimately, how much rates fall depends on the Fed and how the economy evolves in the coming months and years. </p><h3>Current mortgage rates' impact on home prices and inventory</h3><p>High mortgage rates have kept home prices from rising too rapidly this year, and the pace of increases may slow next year. In October 2024, the median sales price for existing homes was $407,200, according to the National Association of Realtors, up 4% from a year ago.</p><p>The MBA predicts that home prices will be up 3.8% by the end of 2024 and 1.5% in 2025. Fannie Mae says they could end this year up 5.8% and increase 3.6% in 2025.</p><p>Falling mortgage rates often increase demand and put upward pressure on home prices. But as rates go down, homeowners who have been waiting for lower rates may be more willing to list their homes, increasing inventory. This should help prices from rising too quickly next year.</p><h2 data-toc-label="Impact on homebuyers and owners" id="impact-on-homebuyers-and-owners" class="toc-anchor">Impact of home interest rates on homebuyers and homeowners</h2><h3>How rates affect affordability and buying power</h3><p>Your rate has a direct impact on <a href="https://www.businessinsider.com/personal-finance/mortgages/how-much-house-can-i-afford" data-analytics-product-module="body_link" rel="">how much house you can afford</a>. Snagging a lower rate can enable you to borrow more money, boosting your homebuying power. </p><p>For example, say you can afford to spend $2,000 per month on your <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-payment" data-analytics-product-module="body_link" rel="">mortgage payment</a> (not including taxes and insurance). With a rate of 7%, you could borrow around $300,000. But with a 4% rate, you could afford to borrow as much as $400,000.</p><h3>Strategies for buying in varying rate environments</h3><p>If you're buying when rates are high, you'll need to adjust your homebuying plans accordingly. You might need to lower your price range or make a larger down payment to achieve an affordable monthly payment.</p><p>You should also be careful about overspending in a low-rate environment. Though you may be able to borrow a larger amount with a low rate, make sure you aren't stretching your budget too far. You don't necessarily need to borrow the full amount the mortgage lender approves you for.</p><h3>Ability to refinance</h3><p>How current mortgage rates are trending doesn't only impact people thinking about buying. If you own your home and pay a mortgage, you might want to see if you can save money by refinancing. </p><p>Deciding <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">when to refinance your mortgage</a> depends on both current rate trends and your own goals.</p><p>If mortgage rates today are lower than the rate on your mortgage, you could lower your monthly payment by refinancing. But refinancing costs money, so you'll want to make sure your monthly savings make it worthwhile.</p><p>You can also refinance to take cash out of your home. This can be beneficial if you need to pay for a big home repair or upgrade. But if it means taking on a higher interest rate, it might not be worth it. </p><h2 data-toc-label="How are mortgage rates determined?" id="how-are-mortgage-rates-determined?" class="toc-anchor">How are mortgage rates determined?</h2><p>Multiple factors affect the interest rate you'll pay on a mortgage. Some are outside your control. Others you can influence.</p><h3>Individual factors influencing mortgage rates</h3><p>Key determining factors that you do have control over include:</p><ol><li>Your credit score</li><li><a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-income-ratio-mti" rel="">Debt-to-income ratio</a></li><li>The amount of your <a href="https://www.businessinsider.com/personal-finance/mortgages/how-much-down-payment-for-a-house" rel="">down payment</a></li><li>The type of mortgage you get</li><li>The length of your term</li></ol><p>The better your finances, the better the rate you'll get. But remember that rates can also vary a lot depending on the type of mortgage you get. FHA rates are typically lower than conventional rates, for example. Or an ARM rate might be lower initially than a fixed rate, but you won't have the security of knowing your rate won't change over the years.</p><p>Rates also vary by lender, so be sure to comparison shop to ensure you get the best rate available (more on that further down).</p><h3>Role of the economy and government policies</h3><p>No matter how good your finances are, you won't be able to get a rate that's dramatically lower than average. Rates are determined in large part by economic trends and how those trends affect investor demand for mortgage-backed securities. Geopolitical trends or uncertainties can also cause mortgage rates to swing up or down.</p><p>When there's a lot of economic growth, mortgage rates typically go up. In recent years, high inflation has pushed mortgage rates up. When growth is slower, rates often go down.</p><p>Federal Reserve policy can influence mortgage rates. When the Fed raises or lowers the federal funds rate, mortgage rates can move up or down as well based on how investors believe Fed changes will impact the broader economy.</p><p>Lately, mortgage rates have been very sensitive to inflation and labor market data. As this economic data has shifted market expectations around Fed rate cuts, mortgage rates have fluctuated.</p><h2 data-toc-label="How to get the best mortgage rate" id="how-to-get-the-best-mortgage-rate" class="toc-anchor">How to get the best mortgage rate</h2><h3>Consider all your loan options</h3><p>Mortgage rates vary among different loan types. <a href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" data-analytics-product-module="body_link" rel="">Government-backed mortgages</a> often have lower rates than conventional loans, though some also come with other fees that might offset some of the benefit of a lower rate (for example, the required upfront and annual mortgage insurance premium on FHA loans). </p><p>ARMs sometimes start out with lower rates than fixed-rate mortgages. This can be beneficial if you want to keep your monthly payment low and you plan to refinance or sell before the rate starts adjusting in a few years. </p><h3>Compare mortgage rates</h3><p>One of the best ways to score a good rate is to get approved with at least two or three different lenders and compare the rates they offer you. Rates can vary a lot by lender, and some <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-analytics-product-module="body_link" rel="">mortgage lenders</a> may be significantly more affordable than others.</p><p>If you don't want to do this work yourself, you might want to work with a <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-broker" data-analytics-product-module="body_link" rel="">mortgage broker</a>, who can gather offers from many different lenders and help you compare loan options.</p><p>A <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-calculator" data-analytics-product-module="body_link" rel="">mortgage calculator</a> is a useful tool to see how different rates can impact your monthly payment. For example, on a $400,000 loan, a 6.70% rate results in a monthly payment of $2,581, while a 6.30% rate results in a monthly payment of $2,476 — a more than $100 difference.</p><h3>Know the difference between your interest rate and APR</h3><p>Once you have offers from a few different lenders, be sure to compare both the rates they're offering as well as other costs associated with getting the loan. Many lenders charge <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fees</a>, which you'll pay at closing. </p><p>Your interest rate tells you how much you'll pay to borrow the funds. The loan's APR shows you the full cost of the loan, including your interest rate plus any fees, points, or other costs you'll incur.</p><p>When comparing lenders, looking at both the interest rates and APRs you're quoted can give you an idea of whether any lenders have low rates but high fees or vice versa. Ideally, you'll want a lender that has both low rates and relatively low fees.</p><h3>Check the loan estimate</h3><p>When you apply for a mortgage, you'll get a loan estimate that allows you to see the expected costs with a given lender. This is a detailed document that estimates how much your mortgage will cost, both up front and each month. </p><p>Comparing loan estimates from multiple lenders will give you a look at how much you could end up spending on both interest and <a href="https://www.businessinsider.com/personal-finance/mortgages/what-are-mortgage-closing-costs" data-analytics-product-module="body_link" rel="">closing costs</a>. This is similar to comparing APRs, but much more in-depth.</p><h3>Locking in the best rate</h3><p>Once you've been approved for a mortgage, your lender may give you the option to lock in your rate. Since rates fluctuate every day, a rate lock ensures you keep your current rate and avoid increases before you close on your loan. However, if rates decrease after you lock your rate, you won't be able to take advantage of it unless your lender offers a float down option. </p><p>Your loan officer can help you figure out when a good time to lock in your rate might be. Rate locks typically last between 30 and 90 days, though you may have the option to extend it if you need to (for a fee).</p><h3>Buying down your rate</h3><p>You can also get a better rate by paying for one. By purchasing mortgage points (also called discount points), you'll lower your interest rate by a certain amount. A mortgage point costs 1% of the loan amount and lowers your rate by 0.25 percentage points. </p><p>You can also get a <a href="https://www.businessinsider.com/personal-finance/mortgages/seller-buydowns" data-analytics-product-module="body_link" rel="">temporary buydown</a> to lower your rate for a period of time. For example, a 2-1 buydown lowers your rate by two percentage points for the first year you have the loan, then by one percentage point for the second year. After that, the rate returns to normal. </p><h3>The importance of credit scores and down payments</h3><p>Your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-good-credit-score" data-analytics-product-module="body_link" rel="">credit score</a> and down payment can greatly affect the price you'll pay to borrow a mortgage.</p><p>The higher your score is, the less you'll pay to borrow money. Generally, 620 is the <a href="https://www.businessinsider.com/personal-finance/credit-score/what-credit-score-is-needed-to-buy-a-house" data-analytics-product-module="body_link" rel="">minimum credit score needed to buy a house</a>, with some exceptions for government-backed loans. You'll also need to make a down payment. Conventional loans require a minimum of 3% down, but putting down more can unlock a better rate. </p><p>If you're having trouble getting a good rate, you might want to work on improving your credit or saving for a larger down payment and reapply later. </p><h3>Consider other beneficial features</h3><p>You should consider whether a lender has features that you find beneficial. Some lenders offer more flexibility for borrowers with lower credit scores or no credit history. Others may be a good option for first-time homebuyers, offering <a href="https://www.businessinsider.com/personal-finance/mortgages/down-payment-assistance" data-analytics-product-module="body_link" rel="">down payment assistance</a> or affordable mortgage programs for these types of buyers.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Current mortgage rates FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the average 30-year mortgage rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">In October 2024, 30-year mortgage rates averaged 6.24%. But they've been higher than this recently.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there benefits to buying a home when average mortgage rates are higher? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you need to buy a house, you might not want to or be able to wait until rates drop. There can be benefits to buying when rates are high. You can often get a better deal on a home, since you won't be up against as much competition.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score gets you the best mortgage rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The better your credit score, the better the rate you'll get on your mortgage. To access the best mortgage interest rates, aim to have a credit score at least in the 700s.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do current average mortgage rates compare to last year? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Mortgage rates are currently lower than they were a year ago.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What can potential homebuyers do to get a lower mortgage rate? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">To get a lower rate, you'll want to have a great credit score, a large down payment, and a low debt-to-income ratio.</p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <div class="ignore-typography"> <span class="zillow-disclaimer body-italic"> © Zillow, Inc., 2006-2016. 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