Today's mortgage rates

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The following tables are updated daily with current mortgage rates for the most common types of home loans. Search for rates by state or compare loan terms to find the product that’s right for you.

Looking for current refinance rates instead?

These rates, APRs, monthly payments and points are current as of 07/29/2024 and may change at any time. They assume you have a FICO® Score of 740+ and a specific down payment amount as noted below for each product. They also assume the loan is for a single-family home as your primary residence and you will purchase up to one mortgage  in exchange for a lower interest rate. Connect with a  to learn more about mortgage points.

Today’s 30-year fixed mortgage rates

6.500% Rate    6.656% APR

Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.

Conventional fixed-rate loans:

Term                   Rate                   APR                 Monthly payment           Points

30-year            6.500%               6.656%                  $2,932                            0.739

20-year            5.990%               6.197%                  $3,321                            0.786

15-year            5.875%               6.163%                  $3,884                            0.967

10-year            5.990%               6.350%                  $5,149                            0.749

The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example.


Conforming adjustable-rate mortgage (ARM) loans


Term                   Rate                   APR                 Monthly payment           Points

10/6 mo            6.375%               7.106%                  $2,894                            0.715

7/6 mo              6.500%               7.425%                  $2,932                            0.775
The rates and monthly payments shown are based on a loan amount of $464,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example.


Jumbo adjustable-rate mortgage (ARM) loans
Term                   Rate                   APR                 Monthly payment           Points

10/1 yr            6.500%                 7.043%                  $5,941                            0.890

7/1 yr              6.375%                 7.144%                  $5,864                            0.940

5/1 yr              6.250%                 7.249%                  $5,787                            1.000

The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example.


Federal Housing Administration (FHA) loans

Term                   Rate                   APR                 Monthly payment           Points

30-year                6.750%              7.630%                  $1,872                          0.663
The rates and monthly payments shown are based on a loan amount of $270,019 and a down payment of at least 3.5%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see an FHA estimated monthly payment and APR example.


Veterans Affairs (VA) loans

Term                   Rate                   APR                 Monthly payment           Points

30-year            6.250%               6.635%                  $1,660                            0.976
The rates and monthly payments shown are based on a loan amount of $270,072 and no down payment. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a VA estimated monthly payment and APR example.


Jumbo loans

Term                   Rate                   APR                 Monthly payment           Points

30-year            6.875%               7.030%                  $6,175                            0.690

20-year            6.875%               7.100%                  $7,217                            0.865

15-year            6.625%               6.867%                  $8,253                            0.645
The rates and monthly payments shown are based on a loan amount of $940,000 and a down payment of at least 25%. Learn more about how these rates, APRs and monthly payments are calculated. Plus, see a jumbo estimated monthly payment and APR example

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