Best Mortgage Rates 2026 — Compare Lenders & Refinance

📊 Today's Average Rates (April 2026): 30-yr fixed: 6.72% · 15-yr fixed: 5.98% · 5/1 ARM: 5.64% · FHA 30-yr: 6.24% · VA 30-yr: 5.99%

Lender	30-Yr Fixed	15-Yr Fixed	5/1 ARM	Min. Down	Min. Credit	Rating	Action
Rocket MortgageMost Popular	6.75%	5.99%	5.72%	3%	620	★★★★★4.9	Check Rate
Better MortgageLowest Fees	6.62%	5.88%	5.57%	3%	620	★★★★★4.8	Check Rate
loanDepot	6.79%	6.05%	5.81%	3%	620	★★★★☆4.5	Check Rate
Veterans UnitedBest for Veterans	6.49%	5.74%	N/A	0% (VA)	620	★★★★★4.9	Check Rate
Chase Bank	6.88%	6.12%	5.91%	3%	640	★★★★☆4.4	Check Rate
Guild Mortgage	6.82%	6.09%	5.77%	3%	600	★★★★☆4.6	Check Rate

Lender	Refi 30-Yr	Refi 15-Yr	Cash-Out?	Avg. Closing Time	Action
Better MortgageFastest Close	6.65%	5.91%	✓ Yes	21 days	Check Rate
Rocket Mortgage	6.77%	6.01%	✓ Yes	26 days	Check Rate
Credible	6.61%	5.89%	✓ Yes	30 days	Check Rate
Pennymac	6.72%	5.97%	✓ Yes	28 days	Check Rate

Lender	FHA 30-Yr Rate	Min. Down	Min. Credit Score	1st-Time Buyer Programs	Action
Rocket MortgageBest FHA	6.24%	3.5%	580	✓ Yes	Check Rate
loanDepot	6.38%	3.5%	580	✓ Yes	Check Rate
Guild Mortgage	6.29%	3.5%	600	✓ Yes	Check Rate
Carrington Mortgage	6.44%	3.5%	500	✓ Yes	Check Rate

Lender	VA 30-Yr Rate	Down Payment	VA Funding Fee	Specialty VA Services	Action
Veterans UnitedBest VA Lender	5.99%	0%	Standard	VA-dedicated team, free credit counseling	Check Rate
Navy Federal CU	6.09%	0%	Waived for disabled vets	Military-exclusive CU benefits	Check Rate
USAA	6.15%	0%	Standard	Military-only financial services	Check Rate
Rocket Mortgage	6.22%	0%	Standard	Fast online process	Check Rate

🏠 Get Your Personalized Mortgage Rate

Free quote. No hard credit pull. Takes 2 minutes.

Loan Purpose

Property Type

Estimated Home Value

Down Payment / Equity

Credit Score

Annual Household Income

Your Name

Phone Number

Soft credit check only. By submitting, you agree to our Privacy Policy and consent to be contacted by our licensed mortgage partners.

Mortgage FAQs

It depends on the loan type. Conventional loans require as little as 3% down. FHA loans require 3.5% (with a 580+ score). VA and USDA loans offer 0% down for eligible borrowers. If you put less than 20% on a conventional loan, you'll typically pay for private mortgage insurance (PMI).

The interest rate is the base cost of borrowing the principal amount. APR (Annual Percentage Rate) includes the interest rate plus other loan costs like origination fees, discount points, and mortgage insurance — giving you a more complete picture of the loan's true cost. Always compare APRs, not just rates.

Refinancing typically makes sense when you can reduce your interest rate by at least 0.5–1%, and you plan to stay in the home long enough to recoup closing costs (usually 2–5 years). Use our mortgage calculator to calculate your specific break-even point.

The typical mortgage timeline from application to closing is 21–45 days. Online lenders like Better Mortgage and Rocket can close in as little as 21 days. More complex transactions (jumbo loans, investment properties) may take 45–60 days.