Home RatesMortgage Rates

-7bps this week

Mortgage Rate Trends

Follow 30-year mortgage rate movement, rate-lock context, and the monthly payment impact of small APR changes.

Average 30-year fixed

6.66%

Benchmark average

6.84%

User opportunity

7 bps can matter on large balances

Historical archive

Mortgage Rates over time

-7bps this week

Sep 22

6.26%

Sep 23

6.36%

Sep 24

6.38%

What changed

Mortgage Rates moved down by 7 basis points this week.

Why it matters

Should I lock, wait, or compare lenders?

What to do next

Run payment scenarios and compare lender quotes before you lock.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

Method30-year fixed mortgage rate sourced from SwitchWize Rate Scout daily scrape of Bankrate lender quotes. Rate assumes good credit (700+ FICO) and 20% down payment. Individual quotes vary by lender, credit score, and loan size.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBest Mortgage Rates: Compare Lenders and Save ThousandsCompare the best mortgage rates 2026 from top lenders. See live rates, dollar-impact examples, and step-by-step tips to lock in the lowest APR for your home.GuideUSDA Construction Loans: Costs, Requirements, and How the Process WorksHow USDA single-close construction loans work in 2026: what they cover, the upfront and annual guarantee fee, borrower and builder requirements, the draw process, and sample payments.GuideThe Buyer-Broker Agreement: What Changed for Homebuyers After the NAR SettlementUnderstand written buyer agreements, negotiated agent compensation, and why VA seller-paid brokerage charges are not seller concessions.GuideFICO Score vs. VantageScore: Which One Actually Matters?Your free credit score and the score a lender pulls are often different numbers from different models. Here's when FICO vs. VantageScore matters, and when the gap is just noise.CalculatorMortgage CalculatorEstimate a fixed-rate mortgage payment and model how an entered extra principal payment changes payoff time and interest.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

Related rate pages

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Benchmark

10-Year Treasury

-6bps this week

4.15%

10-year Treasury yield

Follow the market yield that often influences mortgage pricing and long-term rate sentiment.

Product rate

Auto Loans

No weekly change

5.24% APR

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HELOC Rates

No weekly change

8.20% APR

Best HELOC APR

Track HELOC APR movement and see how prime-rate changes can flow into variable home-equity borrowing.

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Personal Loans

No weekly change

7.49% APR

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Follow personal loan APRs and compare them against high-rate card debt or large planned expenses.