Mortgage Rates ⬆️ - 30 Yr. Fixed: 7.42% — November 12, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.42% | +0.12% | +0.25% | -0.06% | +1.13% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.00% | +0.08% | +0.20% | -0.15% | +1.20% | 5.55% | 7.23% |
| 30 Yr. FHA | 7.00% | +0.11% | +0.20% | -0.15% | +1.00% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.46% | +0.06% | +0.09% | -0.17% | +1.06% | 6.26% | 7.71% |
| 7/6 SOFR ARM | 7.05% | +0.25% | +0.39% | +0.15% | +1.04% | 5.29% | 7.05% |
| 30 Yr. VA | 7.01% | +0.11% | +0.19% | -0.16% | +0.99% | 5.64% | 7.25% |
Key Observations
Mortgage rates moved sharply higher today, with the 7/6 SOFR ARM posting the largest single-day gain at +0.25%, while conventional 30-year fixed rates climbed 12 basis points to 7.42%. Most products are now trading near their 52-week highs, with the 30-year fixed just 19 basis points below its peak of 7.61%, though the spread between fixed and ARM rates has narrowed to just 37 basis points. Week-over-week momentum remains upward across the board, with gains ranging from 9 to 39 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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