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National Market Averages

Today’s Mortgage Rates

Review current national averages for popular fixed-rate mortgage options before comparing loan choices.

National averages as of July 7, 2026
30-Year Fixed
6.50%
+0.025% from prior reading

A longer term that may help lower the monthly principal and interest payment.

15-Year Fixed
5.89%
+0.180% from prior reading

A shorter term that may build equity faster and reduce total interest paid.

Important: Rates are national market averages for general information only, not a loan offer, APR, or guarantee of approval. Your actual rate and payment can vary based on credit, loan program, loan amount, down payment or equity, property type, occupancy, state, discount points, lender pricing, and underwriting approval.

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