Mortgage Rates Today: Live Tracker 2025
Updated daily: Current rates for 30-year, 15-year, FHA, VA loans
🔒 Lock Today's Rate!
Compare 300+ lenders to lock the best rate today! External: Freddie Mac Official Rates
Lock Today's Best Rate →✓ Live rates ✓ 300+ lenders ✓ Lock in 24h ✓ Free quotes
📊 Today's Mortgage Rates (Updated Daily)
| Loan Type | Today's Rate | APR | Change |
|---|---|---|---|
| 30-Year Fixed | 6.45% | 6.52% | ↓ 0.05% |
| 15-Year Fixed | 5.75% | 5.82% | ↓ 0.03% |
| FHA 30-Year | 6.25% | 6.35% | ↓ 0.02% |
| VA 30-Year | 6.15% | 6.22% | ↓ 0.04% |
| 5/1 ARM | 5.95% | 6.15% | ↑ 0.01% |
Get personalized rates from 300+ lenders based on your credit score!
What Today's Rates Mean for a $400,000 Loan
To make these live rates concrete, here is how a $400,000 loan looks at today's averages. These examples show principal & interest only (your total payment will also include taxes, insurance and any HOA dues).
30-Year Fixed at 6.45%
Estimated payment ≈ $2,520/mo
Most popular choice for first-time buyers who want a lower monthly payment.
15-Year Fixed at 5.75%
Estimated payment ≈ $3,320/mo
Much higher payment, but you save tens of thousands in interest and build equity faster.
FHA 30-Year at 6.25%
Estimated payment ≈ $2,465/mo
Lower down payment option (as low as 3.5%), but includes mortgage insurance on top of this payment.
Plug your own numbers into our How Much House Can I Afford Calculator and our Debt-to-Income Calculator & Guide to see a payment that actually fits your budget. For a deeper walkthrough, check the full 2025 affordability guide.
Ready to act on today's numbers? Compare live offers from multiple lenders in minutes.
See Today's Offers →📈 2025 Rate Trends
Down from Peak
Rates down 0.80% from 2023 peak of 7.25%. Lock now before next Fed decision!
Forecast 2025
Experts predict 6.0-6.5% range through 2025. See our full 2025–2026 mortgage rate forecast and compare lenders for the best rate today.
Best Time to Lock
Lock when you find 0.25% below average. Get pre-approved to lock quickly!
🎯 Get Your Personalized Rate
Your actual rate depends on credit score, down payment, and location!
Get My Personalized Rate →❓ FAQ
🔒 Lock Today's Best Rate!
Compare 300+ lenders and lock the best rate in 24 hours!
Get My Rate Quote Now →✓ Live rates ✓ 300+ lenders ✓ Lock in 24h ✓ Free quotes ✓ No obligation
Meet David
Refinance & Rate Specialist
David Rodriguez is a seasoned refinancing expert with over 10 years of experience in mortgage rate analysis and market trend forecasting. As a Certified Rate Lock Specialist, he has saved homeowners millions in interest payments through strategic refinancing timing. His expertise in Federal Reserve policy impact and mortgage-backed securities makes him a go-to expert for rate predictions and refinancing strategies.
EXPERTISE:
KEY ACHIEVEMENT:
Saved clients $50M+ in interest payments