Mortgage Rates — November 02, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.27% | +0.00% | -0.06% | -0.30% | +0.99% | 5.99% | 7.61% |
| 15 Yr. Fixed | 6.92% | +0.00% | -0.07% | -0.27% | +1.11% | 5.55% | 7.23% |
| 30 Yr. FHA | 6.91% | +0.01% | -0.05% | -0.29% | +0.90% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.52% | -0.03% | -0.08% | -0.14% | +1.22% | 6.26% | 7.71% |
| 7/6 SOFR ARM | 6.70% | -0.08% | -0.12% | -0.15% | +0.81% | 5.29% | 6.95% |
| 30 Yr. VA | 6.92% | +0.01% | -0.06% | -0.29% | +0.89% | 5.64% | 7.25% |
Key Observations
Mortgage rates held steady today with minimal daily movement, though weekly declines of 6-12 basis points suggest a modest cooling trend. Jumbo and ARM products led the downside, with the 7/6 SOFR ARM dropping 8 basis points daily and now sitting 82 basis points below the 30-year fixed—a meaningful spread favoring adjustable options. Despite recent weekly gains, rates remain elevated relative to 52-week lows (up roughly 90-120 basis points annually) but well below recent highs, indicating we're in the middle range of the year's trading band.
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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