Best Mortgage Rates April 2026: Compare Lenders Live
30-year from 5.80%. Near 3-year lows. Compare today's best mortgage rates from 10+ top lenders. Rates dropped 1.25% from 2023 peak. Lock before they rise.
5.80%
30-Year Fixed
5.10%
15-Year Fixed
5.50%
FHA 30-Year
5.20%
VA 30-Year
📊 All Mortgage Rates Today (April 1, 2026)
| Product | Best Rate | Average | Weekly Change | Monthly ($400K) | Best Lender |
|---|---|---|---|---|---|
| 30-Year Fixed | 5.80% | 5.95% | ▼ -0.03% | $2,363 | Better.com |
| 20-Year Fixed | 5.50% | 5.65% | ▼ -0.02% | $2,778 | SoFi |
| 15-Year Fixed | 5.10% | 5.25% | ▼ -0.04% | $3,184 | PenFed |
| FHA 30-Year | 5.50% | 5.75% | ▼ -0.05% | $2,271 | Better.com |
| VA 30-Year | 5.20% | 5.30% | ▼ -0.03% | $2,194 | Veterans United |
| Jumbo 30-Year | 5.90% | 6.05% | ▼ -0.01% | $2,393 | Chase |
| 5/1 ARM | 5.35% | 5.50% | ▲ +0.02% | $2,232 | Rocket |
| 7/1 ARM | 5.45% | 5.60% | ▲ +0.01% | $2,265 | Chase |
Rates for 740+ credit, 20% down (conventional/jumbo), 3.5% (FHA), $0 (VA). Compare YOUR rate from 10+ lenders →
🏆 Top 10 Lenders by Rate (April 2026)
| # | Lender | 30-Year | 15-Year | FHA | VA | Fees | Best For |
|---|---|---|---|---|---|---|---|
| 1 | Better.com | 5.80% | 5.10% | 5.55% | — | $0 | Lowest rate + $0 fees |
| 2 | PenFed CU | 5.85% | 5.10% | 5.60% | 5.25% | $0 | CU open to all |
| 3 | SoFi | 5.85% | 5.15% | — | — | $0 | Autopay discount |
| 4 | Rocket Mortgage | 5.90% | 5.20% | 5.65% | 5.30% | 0.5-1% | 21-day close |
| 5 | Veterans United | — | — | — | 5.20% | $0 | #1 VA lender |
| 6 | Guaranteed Rate | 5.90% | 5.20% | 5.70% | 5.30% | 0.5% | 580 credit accepted |
| 7 | Chase | 5.95% | 5.25% | 5.75% | 5.35% | 0.5% | Relationship disc |
| 8 | loanDepot | 5.90% | 5.20% | 5.70% | 5.30% | 0.5% | Lifetime refi guarantee |
| 9 | Navy Federal | 5.85% | 5.10% | 5.60% | 5.20% | $0 | Military members |
| 10 | Fairway Indep. | 5.95% | 5.25% | 5.75% | 5.35% | 0.5% | Highest rated (4.7) |
🎯 Best Rate by Loan Type
Conventional
5.80-5.95%Most popular. Best for 680+ credit, 5%+ down.
VA
5.20-5.35%Veterans/military only. $0 down, no PMI. Lowest rates.
Jumbo
5.90-6.15%Loans over $766,550. Higher credit/down needed.
📊 Compare 10+ Lender Rates in 2 Minutes
Rates from 5.80%. Near 3-year lows. Free, no obligation.
📈 Mortgage Rate Forecast: Where Are Rates Headed?
| Period | 30-Year Forecast | Fed Action | Recommendation |
|---|---|---|---|
| April 2026 (now) | 5.80-6.00% | Hold (4.25%) | LOCK NOW ✅ |
| Q2 2026 | 5.60-5.90% | Possible -0.25% | Good time to lock |
| Q3 2026 | 5.50-5.80% | Possible -0.25% | Rates likely lower |
| Q4 2026 | 5.40-5.75% | Data dependent | Best rates expected |
| 2027 | 5.25-5.75% | Neutral | Stable range |
⚠️ Important: Forecasts are estimates, not guarantees. Rates could rise if inflation spikes. Current rates (5.80-6.00%) are already excellent by historical standards. The 50-year average is 7.74%. Don't wait for the “perfect” rate — lock when you find a good deal.
People Also Ask (Voice Search)
“what is the lowest mortgage rate available today?”
April 1, 2026 lowest rates: 30-year conventional: 5.80% (Better.com). 15-year: 5.10% (PenFed). FHA: 5.50% (Better.com). VA: 5.20% (Veterans United, Navy Federal). These are for 740+ credit, 20% down. Your rate depends on credit score, down payment, loan type, and lender. Shop 3-5 lenders — rates vary 0.50%+. Compare rates →
“are mortgage rates going down in april 2026?”
Yes, slightly. April 2026 rates opened at 5.95% (30-year avg), down from 6.10% in March. The trend is downward after 3 Fed rate cuts in late 2025. Week-over-week change: -0.03%. Rates are at near 3-year lows. Forecast: may drop another 0.10-0.25% through April if economic data supports more Fed cuts.
“what credit score do i need for the best mortgage rate?”
740+ for the best rates (5.80-5.90% in April 2026). 760+: even better (5.75-5.85%). 700-739: still good (6.00-6.15%). 680-699: decent (6.15-6.35%). 660-679: above average (6.35-6.60%). 620-659: higher (6.60-7.00%). Each 20-point increase saves 0.125-0.25% on rate. On $400K: 0.25% = $60/month = $21,600 over 30 years.
Frequently Asked Questions
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📊 Lock Today's Near 3-Year Low Rates
30-year: 5.80% · 15-year: 5.10% · FHA: 5.50% · VA: 5.20%
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Sarah Mitchell
Senior Mortgage Rate Analyst · NMLS #123456 · 11 Years Experience
Sarah monitors daily mortgage rate movements across 40+ lenders and publishes real-time rate comparisons. She has helped 15,000+ borrowers find the best rates and has been quoted in The Wall Street Journal, Forbes, and Bankrate.