Mortgage & Loan Rates Today
Stay updated with the latest mortgage and loan rates. This page is updated regularly to help you make smarter financial decisions when buying, refinancing, or borrowing.
Mortgage rates change daily based on market conditions, inflation, and Federal Reserve policy. Always compare lenders before making a decision. For personalized offers, contact a licensed mortgage professional.
Live US Mortgage & Loan Rates
Updating…
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Source: FRED (Federal Reserve Economic Data). Auto-refresh every 30 minutes.
📈 Historical Rates Chart
🧭 Key Factors Affecting Rates
- 🏦 Federal Reserve Policy – Changes in the federal funds rate directly influence borrowing costs.
- 📈 Inflation Trends – Higher inflation typically leads to higher mortgage and loan rates.
- 🏠 Housing Market Demand – Strong buyer demand or low housing supply can push rates upward.
- 💳 Borrower Creditworthiness – Your credit score and debt-to-income ratio play a major role in the rate you’ll receive.
💡 Tips for Borrowers
- ✅ Improve Your Credit Score – Pay down revolving debt and ensure on-time payments.
- 📑 Shop Around – Compare offers from multiple lenders to find competitive terms.
- ⏳ Consider Points or Different Terms – Sometimes buying points or choosing a shorter term (15 vs. 30 years) saves thousands over the loan’s life.