Looking for today’s mortgage interest rates? Rates change frequently throughout the day based on market conditions. Below, you’ll find live mortgage rates updated hourly, along with helpful insights to guide your home financing decisions.

Live Rates

Today's Mortgage Rates

National average rates updated in real-time.
Estimated payments based on a $500,000 loan.

Rates displayed are national averages sourced from Freddie Mac's Primary Mortgage Market Survey® and are provided for informational purposes only. These rates do not represent an offer to lend or a guarantee of any specific rate. Your actual interest rate will depend on your credit profile, loan amount, property type, down payment, and other factors. Rates are subject to change without notice. Contact a licensed loan professional to discuss your specific situation and receive a personalized rate quote.

What Affects Today's Mortgage Interest Rates?

Inflation

Federal Reserve policy

Bond market (Mortgage Backed Securities)

Credit score & loan profile

How to Get the Best Mortgage Rate?

Improve credit score

Lower debt-to-income ratio

Shop lenders (with your MPHL broker 😉)

Interest rate lock timing