Mortgage Rates — September 23, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.17% | -0.02% | -0.05% | +0.40% | +0.82% | 5.99% | 7.24% |
| 15 Yr. Fixed | 6.83% | +0.00% | +0.01% | +0.52% | +0.94% | 5.55% | 6.84% |
| 30 Yr. FHA | 6.80% | -0.01% | +0.00% | +0.47% | +0.75% | 5.62% | 6.82% |
| 30 Yr. Jumbo | 7.35% | +0.00% | -0.03% | +0.47% | +1.08% | 6.10% | 7.40% |
| 7/6 SOFR ARM | 6.72% | -0.02% | +0.03% | +0.36% | +0.93% | 5.29% | 6.75% |
| 30 Yr. VA | 6.82% | -0.01% | +0.00% | +0.47% | +0.76% | 5.64% | 6.84% |
Key Observations
Mortgage rates held relatively steady today, with the 30-year fixed dipping 2 basis points to 7.17%, while most other products remained flat to slightly positive. The 15-year fixed showed the most notable movement, rising 1 basis point, and rates across all products remain significantly elevated compared to their 52-week lows, with the 30-year fixed trading near its recent high of 7.24%. The spread between the 30-year fixed and 7/6 ARM has widened to 45 basis points, offering borrowers considering adjustable-rate mortgages a modest incentive as fixed rates remain elevated.
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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