Mortgage Rates

Mortgage Rates

Today's Average Mortgage Rates

30-Year Fixed

15-Year Fixed

30-Year Fixed

30-Year Fixed

10-Year Treasury Yield: The Mortgage Rate Benchmark

10-Year Treasury Yield

How the Economy Affects Mortgage Rates

Frequently Asked Questions

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LOAN PROGRAMS

National averages based on daily surveys. Your actual rate may vary based on credit profile, loan amount, and other factors.

Conventional

FHA Loan

VA Loan

Rates shown are national averages. Your rate may differ.

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The 10-Year Treasury yield is the most important benchmark for mortgage rates. When Treasury yields rise, mortgage rates typically follow within days. This relationship exists because mortgage lenders price their loans relative to the "risk-free" rate offered by U.S. government bonds.

Think of it this way: Why would investors buy mortgage-backed securities (which carry some risk of default) when they can get nearly the same yield from risk-free Treasury bonds? Mortgage rates must offer a "spread" above Treasuries to compensate for that additional risk.

Current 10-Year Treasury: % %

Market Benchmark for Mortgages

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Understanding the forces behind interest rate movements can help you make smarter decisions about when to lock your rate.

Common questions about mortgage rates and how they're determined

The rates shown above are national averages. Your individual rate depends on your credit score, loan type, down payment, property type, and current market conditions.

Let us shop hundreds of lenders to find the best rate for YOUR unique situation.

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Data Attribution: Mortgage rate data provided by API Ninjas and Treasury yield data from the Federal Reserve Economic Data (FRED). Rates shown are for educational purposes. Your actual rate may vary.

Licensing and Regulatory Information: Barrett Financial Group LLC dba Buck Mortgage Solutions LLC. NMLS ID 181106. Buck Mortgage Solutions LLC is a trade name of Barrett Financial Group LLC. Licensed by the appropriate state and federal regulatory authorities. For licensing information, please visit Equal Housing Opportunity: We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other characteristic protected by applicable law.

Loan Approval and Terms: All loan programs, interest rates, fees, and terms are subject to change without notice. Loan approval is subject to credit approval, property approval, and underwriting requirements. Not all applicants will qualify. This website is for informational purposes only and does not constitute a commitment to lend.

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• 10-Year Treasury Yield: The Mortgage Rate Benchmark The 10-Year Treasury yield is the most important benchmark for mortgage rates. When Treasury yields rise, mortgage rates typically follow within days. This relationship exists because mortgage lenders price their loans relative to the "risk-free" rate offered by U.S. government bonds. Think of it this way: Why would investors buy mortgage-backed securities (which carry some risk of default) when they can get nearly the same yield from risk-free Treasury bonds? Mortgage rates must offer a "spread" above Treasuries to compensate for that additional risk. Current 10-Year Treasury: % % View on Alpha Vantage
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• Equal Housing Opportunity: We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other characteristic protected by applicable law. Loan Approval and Terms: All loan programs, interest rates, fees, and terms are subject to change without notice. Loan approval is subject to credit approval, property approval, and underwriting requirements. Not all applicants will qualify. This website is for informational purposes only and does not constitute a commitment to lend. © . All rights reserved. {branding.privacyPolicyUrl && Privacy Policy
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