Today's mortgage rates have shifted in different directions, depending on their term. According to Zillow, the 30-year fixed mortgage rate is up slightly to 6.47%, and the 15-year fixed rate has ticked down to 5.66%. However, the rate on the 5/1 adjustable-rate mortgage (ARM) has decreased for the third day in a row. It could be a good time to get an ARM because they usually start out with lower rates than what you'll get with a fixed-rate mortgage. If you plan to sell your house before the intro-rate per ...

If house hunting is in your future, know that location impacts mortgage rates more than many buyers realize. Interest rates can vary significantly from city to city for reasons that go far beyond home values of that location. For example, the median home sale price for a 30-year mortgage in Rochester, New York, reported by Zillow on Jun. 30, 2025, was only $238,173, however, the interest rate is 6.875%, which is higher than many other cities. Learn More: 2 Times It Doesn’t Make Sense To Pay Off Your Mortg ...

Some mortgage interest rates have increased today, while others have decreased. Regardless, most of the shifts are minor. According to Zillow, the average 30-year fixed mortgage rate is up four basis points to 6.47%, but the 15-year fixed rate has inched down three basis points to 5.66%. Read more: The best mortgage lenders for first-time buyers Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.47% 20-year fixed: 6.10% 15-year fixed: 5 ...

Mortgage rates lost downward momentum this week. According to Freddie Mac, the national average 30-year rate ticked higher by four basis points to 6.30%. The 15-year fixed mortgage rate rose eight basis points to 5.49%. For those following the 10-year Treasury yield, the bounce following the Federal Reserve's first rate cut of the year was not a surprise. Yields have risen since last Tuesday's close from 4.02% to yesterday's close of 4.17%. Still, purchase and refinance applications were higher for the we ...

It's a different story on two loan terms. According to Zillow, the 30-year mortgage rate moved lower by seven basis points to 6.32%, while the 15-year rate is up 12 basis points to 5.70%. "The current environment is opening refinancing opportunities for households that purchased at early highs, offering some affordability relief," Realtor.com senior economist Jiayi Xu said in a statement. Read more: The best mortgage lenders for first-time buyers Today's mortgage rates Here are the current mortgage r ...

当前抵押贷款利率水平 - 30年期固定抵押贷款利率上升8个基点至6.28% 15年期利率上升10个基点至5.49% [1] - 全国平均抵押贷款再融资利率普遍高于购房利率 但存在例外情况 [2] - 具体利率分类：30年期固定6.28% 20年期固定5.78% 15年期固定5.49% 5/1 ARM为6.58% 7/1 ARM为6.55% 30年期VA为5.69% 15年期VA为5.16% 5/1 VA为5.81% [4] - 抵押贷款再融资利率：30年期固定6.10% 20年期固定5.67% 15年期固定5.40% 5/1 ARM为6.22% 7/1 ARM为6.16% 30年期VA为5.70% 15年期VA为5.16% 5/1 VA为5.35% [5] 不同期限抵押贷款产品特性 - 30年期固定抵押贷款优势包括月供较低且还款金额可预测 劣势为短期和长期利息成本较高 [8][9][10] - 15年期固定抵押贷款月供金额更高 但利率更低且总利息成本可节省数十万美元 [11][12] - 可调利率抵押贷款(ARM)在初始固定期内提供较低 introductory利率 但后期面临利率上浮风险 [12][13] - 5/1 ARM产品结构：前5年利率固定 后续25年每年调整一次利率 [12] 住房市场环境分析 - 当前住房市场环境优于两年前 房价未重现疫情期间的飙升态势 [15] - 抵押贷款利率处于2024年10月以来最低水平 有利于锁定融资成本 [15][18] - 经济学家预计年底前抵押利率不会大幅下降 仅可能小幅波动 [17] - 购房时机应基于个人生活阶段需求 而非试图择时市场 [16] 利率获取与计算工具 - 抵押贷款利率因州甚至邮政编码差异显著 高成本生活区域利率可能更高 [16] - 免费抵押贷款计算器可综合评估本金 利息 房屋保险 房产税 PMI及HOA费用对月供的影响 [6][7] - 获取最低再融资利率需提升信用评分 降低债务收入比 缩短贷款期限 [19]

Mortgage interest rates bumped slightly higher today. According to Zillow, the average 30-year fixed mortgage rate gained two basis points to 6.22%. Meanwhile, the 15-year rate stepped up three basis points to 5.41%. Read more: Where and how to find the lowest mortgage rates right now Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.22% 20-year fixed: 5.61% 15-year fixed: 5.41% 5/1 ARM: 6.47% 7/1 ARM: 6.45% 30-year VA: 5.63% 15-ye ...