Mortgage Rates Today: September 1, 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 September 1, 2026. Based on $400K loan, 20% down, 760+ credit. Your rate may differ. Get your personalized rate.
Rate Trends: Where Are Rates Heading?
Sept 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%
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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.
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The same borrower on the same day gets different rates from different lenders. On a $400K loan, a 0.50% gap = $32,000 over 30 years. Soft pull only — no SSN needed for initial quotes.
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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.
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Purchase vs Refinance Rates Today
Refinance Rates
Frequently Asked Questions
What are mortgage rates today Sept 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 Sept 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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Mortgage-Info Editorial Team
Editorial & Research Team
Our editorial team researches this topic using primary sources and published lender/program data, and reviews this content regularly for accuracy.