What are today’s mortgage interest rates?
A clear, quick answer—plus the simplest way to compare offers fairly.
What are today’s mortgage interest rates? This question often comes up when people want a quick snapshot of pricing before they compare lenders or estimate a monthly payment.
Answer
Today’s mortgage interest rates change daily based on economic data, inflation expectations, and bond market demand. Lenders publish rate sheets each business day, often several times if markets move quickly. Borrowers with strong credit, low debt, and larger down payments typically qualify for lower rates, while weaker profiles see higher pricing. Online tools like mortgageratecalculator.org let you view sample rates and estimate payments, but your actual offer depends on your specific application. To know today’s rate for you, request a personalized quote from at least three lenders on the same day, using the same loan type, points, and term so comparisons are fair.
Use our mortgage rate tool to compare payments at different rates using the same inputs.
Return to the Mortgage Rate FAQs hub to explore related topics.