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 Loan Officer 😉)

Interest rate lock timing

Assumptions

Rate and Annual Percentage Rate shown are subject to change without notice. Loan amount $500,000, 60% LTV, 800 FICO, Borrower paying 2% Points. The principal and interest payment does not include taxes and home insurance premiums, which will result in a higher actual monthly payment. The APR* is calculated using the Actuarial Method. Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates.