Mortgage Rates — 30 Yr. Fixed: 7.40% - October 19, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.40% | +0.03% | -0.08% | +0.20% | +1.17% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.05% | +0.01% | -0.10% | +0.22% | +1.24% | 5.55% | 7.23% |
| 30 Yr. FHA | 7.02% | +0.03% | -0.13% | +0.21% | +1.03% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.65% | -0.02% | +0.02% | +0.29% | +1.45% | 6.10% | 7.71% |
| 7/6 SOFR ARM | 6.80% | -0.01% | -0.10% | +0.05% | +1.10% | 5.29% | 6.95% |
| 30 Yr. VA | 7.04% | +0.03% | -0.13% | +0.22% | +1.03% | 5.64% | 7.25% |
Key Observations
Mortgage rates ticked up today, with the 30-year fixed rising 3 basis points to 7.40%, though weekly declines suggest some recent softening. Jumbo rates moved most significantly on a monthly basis, climbing 29 basis points, while the 7/6 ARM remains the most attractive option at 6.80%—a 60 basis point discount to the 30-year fixed. Most products are trading near their 52-week highs, with conventional fixed rates within 20 basis points of peak levels reached this cycle.
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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