30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
6.43%APR 6.58%
Today's mortgage rates, payments, and refinance signals in one place.
Track current U.S. mortgage rates, estimate your monthly payment, and compare real lender quote paths before you apply.
Updated July 02, 2026
APR-aware estimates
Real external links
National average
6.43%
Down 0.05%
30-year fixed trend
Recent weekly viewEstimated payment
$2,334/mo
Quote range
6.33%-6.61%
Current mortgage rate snapshot
Weekly benchmark data from Freddie Mac PMMS, with planning estimates for lender comparison.
0.06%
15-Year Fixed
Shorter term with lower lifetime interest
5.79%APR 5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
6.58%APR 6.73%
Monthly payment calculator
Adjust price, down payment, term, and rate to estimate principal and interest before taxes, insurance, and HOA fees.
Estimated monthly payment
$2,259/ month
Loan principal$360,000
Total interest$453,203
Total paid over term$813,203
Annual principal + interest$27,107
Refinance savings signal
Compare your current mortgage rate with today's market rate and estimate when refinancing may become worth a conversation.
Monthly savings
$197
5-year savings
$11,816
Estimated break-even
27 months
Rate trend and buyer timing
Trend context helps users decide whether to lock, float, or set a rate alert. This also creates a natural SEO surface for daily mortgage rate updates.
30-year fixed trend
Recent weekly viewCompare lender offers
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Mortgage Rates Online is not a lender or broker. Verify APR, fees, and eligibility directly with the provider.
Lender marketplace
1. LendingTree
Compare mortgage rate offers from a lender marketplace and review APR, fees, and cash-to-close before applying.
MarketplaceMultiple quotesPurchase/refi
Rate comparison
2. Credible
Review mortgage rate options through Credible and compare terms with the official Loan Estimate from any lender.
Rate shoppingAPR comparisonNo guarantee
Direct lender
3. Rocket Mortgage
Check published Rocket Mortgage rate information and use it as one direct-lender comparison point.
Direct lenderPublished ratesPurchase/refi
Set a rate alert before the market moves.
Capture high-intent buyers with alerts, quote reminders, and refinance triggers.