Mortgage Rates - 30 Yr. Fixed: 7.25% — November 04, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.25% | -0.05% | -0.10% | -0.32% | +0.92% | 5.99% | 7.61% |
| 15 Yr. Fixed | 6.86% | -0.05% | -0.14% | -0.33% | +1.06% | 5.55% | 7.23% |
| 30 Yr. FHA | 6.91% | -0.04% | -0.08% | -0.29% | +0.86% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.42% | -0.03% | -0.18% | -0.24% | +1.07% | 6.26% | 7.71% |
| 7/6 SOFR ARM | 6.75% | +0.04% | -0.11% | -0.10% | +0.80% | 5.29% | 6.95% |
| 30 Yr. VA | 6.93% | -0.04% | -0.07% | -0.28% | +0.87% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged lower today, with most products declining 3-5 basis points, though the 7/6 ARM ticked up slightly. Jumbo rates showed the largest weekly decline at 18 basis points, while 15-year fixed rates fell 14 basis points over the same period. Despite recent softening, rates remain elevated—hovering near 52-week highs with the 30-year fixed at 7.25% versus its yearly low of 5.99%—and the spread between fixed and ARM products has widened to approximately 50 basis points.
👉 This content is for informational purposes only and does not constitute financial advice. Rates shown are national averages and may vary by lender, credit score, and loan terms. Always consult with a qualified mortgage professional before making financial decisions.
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