Mortgage Rates — October 13, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.46% | -0.02% | -0.10% | +0.34% | +1.14% | 5.99% | 7.61% |
| 15 Yr. Fixed | 7.14% | -0.01% | -0.08% | +0.49% | +1.30% | 5.55% | 7.23% |
| 30 Yr. FHA | 7.13% | -0.02% | -0.07% | +0.45% | +1.10% | 5.62% | 7.25% |
| 30 Yr. Jumbo | 7.62% | -0.01% | -0.08% | +0.37% | +1.37% | 6.10% | 7.71% |
| 7/6 SOFR ARM | 6.88% | -0.02% | -0.01% | +0.21% | +1.06% | 5.29% | 6.95% |
| 30 Yr. VA | 7.15% | -0.02% | -0.07% | +0.45% | +1.11% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged lower today, with most products declining 1-2 basis points, though weekly trends remain mixed with slight declines across the board. The 30-year jumbo rate at 7.62% showed the largest spread to ARMs, which sit at 6.88%—a 74 basis point advantage for adjustable products. Most rates remain significantly elevated compared to 52-week lows (roughly 130-170 basis points higher), though they've pulled back from recent highs, suggesting continued volatility in the mortgage market.
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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