Mortgage Rates — September 30, 2026 — Today (Pacific Time)
Current Mortgage Rates
| Product | Current | 1 day | 1 week | 1 month | 1 year | Low | High |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 7.54% | -0.04% | +0.28% | +0.73% | +1.17% | 5.99% | 7.58% |
| 15 Yr. Fixed | 7.18% | -0.02% | +0.31% | +0.83% | +1.29% | 5.55% | 7.20% |
| 30 Yr. FHA | 7.19% | -0.05% | +0.32% | +0.82% | +1.14% | 5.62% | 7.24% |
| 30 Yr. Jumbo | 7.65% | +0.05% | +0.25% | +0.75% | +1.37% | 6.10% | 7.65% |
| 7/6 SOFR ARM | 6.84% | -0.03% | +0.08% | +0.51% | +1.02% | 5.29% | 6.87% |
| 30 Yr. VA | 7.19% | -0.06% | +0.30% | +0.82% | +1.12% | 5.64% | 7.25% |
Key Observations
Mortgage rates edged lower today, with most products declining 2-6 basis points, though the 30-year jumbo bucked the trend with a modest 5 basis point gain. Over the past week, rates have climbed notably across all products, with 15-year fixed showing the largest weekly increase at 31 basis points, while rates remain significantly elevated compared to 52-week lows—the 30-year fixed is 155 basis points above its low of 5.99%. The 80 basis point spread between the 30-year fixed rate (7.54%) and the 7/6 SOFR ARM (6.84%) continues to offer rate-conscious borrowers a meaningful incentive to consider adjustable-rate options.
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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