Current Mortgage Rates Update

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Fed Isn't Rushing to Lower Interest Rates

Mortgage Rates Today, July 28, 2025: 30-Year Rates Rise to 6.77%

Current mortgage rates are down and lower than they were seven days ago. Rates are lower than they were in early 2025, when the average 30-year fixed-rate mortgage reached above 7%. Even though Federal Reserve policy doesn’t directly impact today’s mortgage rates, they have been easing since the Fed began cutting rates in late 2024.

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Today's Mortgage Rates by State - July 28, 2025

CNET on MSN · 1h

July Mortgage Rate Forecast: The Fed Isn't Rushing to Lower Interest Rates

CNET · 16h

Refinance Rates Slide Down Again: Refinance Rates for July 28, 2025

Several important refinance rates fell.

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Mortgage Rates Haven’t Moved Much—And That Might Be Your Window

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30-Year Mortgage Rates Hovering Below One-Month High - July 28, 2025

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HELOC and home equity loan rates are falling again. Here's what to do next.

Both HELOC and home equity loan interest rates fell again last week. Here's what potential borrowers should do next.

Mortgage rates dip to lowest level in three weeks

Mortgage rates retreated this week, with the 30-year fixed rate averaging 6.76 percent, compared to 6.81 percent the previous week, according to Bankrate’s latest lender survey.

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Economic uncertainty is keeping mortgage rates high

The Federal Reserve has stayed the course, stalling rate cuts as they wait to see the impact of President Donald Trump’s Tariffs. Vivian Gueler, CFO of Pacific Trust Group, spoke about mortgage rate expectations for the coming year.

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Refi Rates Steady Below 7%: Current Mortgage Refinance Rates for July 10, 2025

Refinance rates were mixed, but one key rate fell. Even a slightly lower interest rate can save you money on your home loan.

HELOC and home equity loan rates tick lower

While home equity rates have traded in a tight range this month, they are still lower than personal loan rates, which currently average 12.64 percent, and especially credit card rates, which average 20.