Mortgage Rates Today
Today's national average mortgage rates, how they moved, where the 10-year Treasury sits and what forecasters expect. Then see whether a buydown or waiting saves you more.
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What moves mortgage rates
Lenders price 30-year loans off the 10-year Treasury yield plus a spread. Inflation reports, jobs data, Federal Reserve decisions and demand for mortgage bonds move both. The Fed sets short-term rates, so a Fed cut does not cut mortgage rates on its own. Rates move most on inflation and jobs report days.
Why your rate differs from the average
- Credit score: the gap between 680 and 760 is often 0.5 points or more.
- Down payment and loan size.
- Loan type: FHA, VA, conventional, jumbo or ARM.
- Property type and occupancy: condos, investment homes and second homes price higher.
- Points: paying points lowers the rate.
Compare buydowns vs waiting | Match down payment programs | Mortgage options
Get your real rate, not an average
Ryan and Megan, Mortgage Bankers with The Federal Savings Bank, price your loan for your credit, down payment and home. No cost and no commitment.
Disclosures. Rates shown are national averages published by Mortgage News Daily (daily) and Freddie Mac's Primary Mortgage Market Survey (weekly), and the 10-year Treasury par yield from the U.S. Department of the Treasury. They are shown for education and comparison. They are not rates offered by Ryan Winslow, Megan Winslow or The Federal Savings Bank, and they are not a loan offer, a commitment to lend, a rate lock or a quote. Your interest rate and APR depend on your credit, loan amount, down payment, property type, occupancy, loan program and market conditions on the day you lock. Not all applicants qualify. Forecasts are third-party opinions and not predictions by Winslow Homes or The Federal Savings Bank. Mortgage services by The Federal Savings Bank, NMLS #411500, Equal Housing Lender. Ryan Winslow NMLS #2426605. Megan Winslow NMLS #2692933. NMLS Consumer Access.