Mortgage Rates — 30 Yr. Fixed: 7.29% - October 29, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.29% | -0.06% | -0.01% | -0.29% | +1.02% | 5.99% | 7.61% |
| 15 Yr. Fixed | 6.95% | -0.05% | -0.01% | -0.25% | +1.13% | 5.55% | 7.23% |
| 30 Yr. FHA | 6.91% | -0.08% | -0.01% | -0.33% | +0.91% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.55% | -0.05% | -0.05% | -0.05% | +1.35% | 6.20% | 7.71% |
| 7/6 SOFR ARM | 6.88% | +0.02% | +0.10% | +0.01% | +0.98% | 5.29% | 6.95% |
| 30 Yr. VA | 6.92% | -0.08% | -0.02% | -0.33% | +0.90% | 5.64% | 7.25% |
Key Observations
Mortgage rates declined modestly today, with government-backed products (FHA and VA) leading the way down 8 basis points, while jumbo rates held relatively steady. The 30-year fixed at 7.29% remains closer to its 52-week high of 7.61% than its low of 5.99%, reflecting the elevated rate environment that has persisted over the past year. The spread between the 30-year fixed and 7/6 ARM has widened to 41 basis points, making adjustable-rate mortgages increasingly attractive for rate-sensitive borrowers.
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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