Mortgage Rates Today: March 13, 2026
30-year fixed at 6.45% — down from 6.72% last month. Rates are trending lower as the Fed signals more cuts ahead. Compare 3-5 lenders to find your best rate.
30-Year Fixed
6.45%
↓ 0.27% vs Feb
15-Year Fixed
5.80%
↓ 0.22% vs Feb
FHA 30-Year
6.10%
↓ 0.18% vs Feb
VA 30-Year
5.90%
↓ 0.25% vs Feb
Today's Mortgage Rates — All Loan Types
| Loan Type | Rate | APR | vs Last Month | Monthly ($400K) |
|---|---|---|---|---|
| 30-Year Fixed | 6.45% | 6.62% | ↓ 0.27% | $2,516 |
| 20-Year Fixed | 6.15% | 6.32% | ↓ 0.20% | $2,908 |
| 15-Year Fixed | 5.80% | 6.01% | ↓ 0.22% | $3,338 |
| 10-Year Fixed | 5.65% | 5.88% | ↓ 0.15% | $4,370 |
| FHA 30-Year | 6.10% | 7.15% | ↓ 0.18% | $2,425 |
| VA 30-Year | 5.90% | 6.05% | ↓ 0.25% | $2,371 |
| 5/1 ARM | 5.95% | 6.75% | ↓ 0.30% | $2,384 |
| 7/1 ARM | 6.10% | 6.65% | ↓ 0.22% | $2,425 |
| Jumbo 30-Year | 6.65% | 6.78% | ↓ 0.18% | $2,569 |
*Rates as of March 13, 2026. Based on $400K loan, 20% down, 760+ credit. Your rate may differ. Get your personalized rate.
Rate Trends: Where Are Rates Heading?
March 2026 Rate Outlook
Fed rate cuts: The Fed has cut rates twice in 2026 and signaled 1-2 more. Each cut puts downward pressure on mortgage rates. Markets expect the fed funds rate to reach 4.25-4.50% by year-end.
Inflation cooling: CPI at 2.4% (down from 3.1% a year ago). Core PCE at 2.3%. Getting closer to the Fed's 2% target.
Jobs market: Employment remains solid at 3.9% unemployment. Strong labor market could slow rate declines.
Bond market volatility: 10-year Treasury at 4.15%, creating a floor under mortgage rates. Global uncertainty keeping yields elevated.
Forecast: 30-Year Fixed Rate
Q2 2026
6.20-6.45%
Q3 2026
5.95-6.25%
Q4 2026
5.75-6.10%
Don't Wait — Lock Today's Rate
Rates dropped 0.27% since last month. Compare rates from multiple lenders to find YOUR lowest rate — in 60 seconds.
Compare My Rate Options →Today's Rates by Credit Score
| Credit Score | 30-Year Rate | Monthly ($400K) | Cost vs 760+ (30yr) |
|---|---|---|---|
| 760+ | 6.45% | $2,516 | — |
| 740-759 | 6.55% | $2,542 | +$9,360 |
| 720-739 | 6.70% | $2,582 | +$23,760 |
| 700-719 | 6.90% | $2,636 | +$43,200 |
| 680-699 | 7.10% | $2,690 | +$62,640 |
| 660-679 | 7.35% | $2,758 | +$87,120 |
| 620-659 | 7.75% | $2,867 | +$126,360 |
Key insight: A 620 score costs $126,360 more over 30 years compared to 760+. Every 20-point improvement saves thousands. Compare refinance rates when your score improves.
6 Ways to Get the Lowest Rate Today
Compare 3-5 Lenders
Save $10K-$30KThe single biggest way to save. Rate difference between lenders can be 0.25-0.75%.
Boost Credit to 760+
Save $20K-$80KPay down credit cards below 30% utilization. Every 20 points = 0.10-0.25% lower rate.
Put 20%+ Down
Save $54K-$108KAvoid PMI ($150-$300/mo) and unlock best rate tiers.
Buy Discount Points
Save $15K-$25K1 point (1% of loan) buys ~0.25% lower rate. Worth it if staying 4+ years.
Choose 15-Year Term
Save $150K+15-year rates are 0.50-0.75% lower than 30-year. Higher payment but massive savings.
Lock Your Rate
Protect your rateLock for 30-60 days when you find a good rate. Rates change daily — don't gamble.
Purchase vs Refinance Rates Today
Refinance Rates
Frequently Asked Questions
What are mortgage rates today March 2026?
30-year fixed: 6.45%. 15-year: 5.80%. FHA: 6.10%. VA: 5.90%. Rates are down ~0.25% from last month. Compare lenders for your best personal rate.
Will mortgage rates go down in 2026?
Likely yes. Forecasters expect 30-year rates to reach 5.75-6.10% by Q4 2026. The Fed has signaled 1-2 more cuts. But timing the market is risky — locking a good rate today is safer.
What is a good rate in March 2026?
30-year below 6.50% is good, below 6.25% is excellent. 15-year below 5.80%. FHA below 6.15%. VA below 5.95%. Rate depends heavily on credit score and LTV.
Should I lock my rate today?
If you are closing within 30-60 days and your rate is below 6.50% (30-year), locking is smart. Rates could drop further, but they could also rise on bad inflation data.
How do I get the lowest rate?
Compare 3-5 lenders, boost credit to 760+, put 20%+ down, consider buying points, and lock when you find a good rate.
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David Rodriguez
Refinance & Rate Specialist · NMLS #234567
David tracks mortgage rates daily and has helped thousands of borrowers lock their best rate at the right time. His rate forecasts are based on Fed policy, bond yields, and inflation data.