Mortgage Rates — September 18, 2026 — Today (Pacific Time)
US mortgage rates for September 18, 2026: 30-Yr Fixed at 7.20% (+0.01% daily, +0.08% weekly). 15-Yr Fixed at 6.83%. Full rate table and trends inside.
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.20% | +0.01% | +0.08% | +0.45% | +0.83% | 5.99% | 7.24% |
| 15 Yr. Fixed | 6.83% | +0.02% | +0.18% | +0.52% | +0.95% | 5.55% | 6.84% |
| 30 Yr. FHA | 6.81% | +0.00% | +0.13% | +0.49% | +0.76% | 5.62% | 6.82% |
| 30 Yr. Jumbo | 7.36% | +0.01% | +0.11% | +0.49% | +1.11% | 6.10% | 7.40% |
| 7/6 SOFR ARM | 6.75% | +0.05% | +0.08% | +0.43% | +0.98% | 5.29% | 6.75% |
| 30 Yr. VA | 6.82% | -0.01% | +0.12% | +0.48% | +0.75% | 5.64% | 6.84% |
👉 Vlad's Key Observations
Mortgage rates edged higher today, with the 15-year fixed and 7/6 ARM posting the largest daily gains at +0.02% and +0.05% respectively. Most products are trading near their 52-week highs, particularly the 30-year fixed at 7.20% and jumbo at 7.36%, reflecting the upward trend over the past month (+0.45% to +0.52%). The spread between the 30-year fixed and 7/6 ARM has widened to 45 basis points, offering ARM borrowers a modest rate advantage despite the recent uptick.
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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