Mortgage Rates — October 06, 2026 — Today (Pacific Time)
US mortgage rates for October 06, 2026: 30-Yr Fixed at 7.56% (-0.05% daily, -0.02% weekly). 15-Yr Fixed at 7.22%. Full rate table and trends inside.
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.56% | -0.05% | -0.02% | +0.67% | +1.18% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.22% | -0.01% | +0.02% | +0.73% | +1.32% | 5.55% | 7.23% |
| 30 Yr. FHA | 7.20% | -0.04% | -0.04% | +0.76% | +1.13% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.70% | +0.00% | +0.10% | +0.64% | +1.42% | 6.10% | 7.70% |
| 7/6 SOFR ARM | 6.89% | +0.02% | +0.02% | +0.36% | +1.05% | 5.29% | 6.89% |
| 30 Yr. VA | 7.22% | -0.03% | -0.03% | +0.76% | +1.13% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged lower today, with the 30-year fixed declining 5 basis points to 7.56%, though most products remain near their 52-week highs. The 15-year fixed and VA rates showed minimal movement, while jumbo rates held steady, suggesting a modest pause in recent upward pressure. The 7/6 ARM continues to offer meaningful savings at 6.89%—67 basis points below the 30-year fixed—making it an attractive option for borrowers planning shorter holding periods.
👉 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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