Updated 7/16/26

Today's Mortgage Rates

Daily index rates across conventional, government, and jumbo products. Rates reflect national market averages — your rate may vary based on credit, LTV, and loan details.

Rates improving

Average daily change is -0.033% — rates are moving lower today.

Loan Amount

30 Yr. Fixed

-0.060

6.640%

Est. P&I: $1,603/mo

5.90%52-Week Range6.63%

15 Yr. Fixed

-0.020

6.180%

Est. P&I: $2,134/mo

5.24%52-Week Range5.93%

30 Yr. Jumbo

-0.082

6.538%

Est. P&I: $1,586/mo

6.10%52-Week Range6.75%

20 Yr. Fixed

-0.060

6.500%

Est. P&I: $1,864/mo

5.75%52-Week Range6.50%

30 Yr. FHA

-0.030

6.284%

Est. P&I: $1,545/mo

5.84%52-Week Range6.37%

30 Yr. VA

+0.027

6.177%

Est. P&I: $1,527/mo

5.53%52-Week Range6.20%

Mortgage Rates: Daily Index

Last Updated: 7/16/26 | Snapshot: Jul 16, 2026 11:02am ET

Rates shown are market indices for informational purposes only and do not constitute a quote, rate lock, or lending commitment.

Get Your Personalized Rate

Index rates are market averages. Your actual rate depends on credit score, down payment, loan type, and property. Connect with a loan officer for a quote tailored to your scenario.

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Rates displayed are market index averages sourced from publicly available data for informational purposes only. They do not constitute a quote, commitment to lend, or guarantee of any rate or terms. Actual rates vary based on individual borrower qualifications including credit score, loan-to-value ratio, loan amount, property type, and occupancy. All loans are subject to credit approval and underwriting. Loans originated by ALCOVA Mortgage LLC, NMLS #40508. Equal Housing Lender.