Top mortgage rates today. Current mortgage rates are lower than they were seven days ago, and still lower than in early 2025, when the average 30-year fixed-rate mortgage reached

Mortgage rates change daily — sometimes more frequently — but that doesn’t mean you need to check rates daily or hourly. If you’re looking to get preapproved for a mortgage soon, check rates more often and take note of historical trends.

Every Thursday, Freddie Mac, a government-sponsored buyer of mortgage loans, publishes a weekly average of 30-year mortgage rates. This week's reading dipped 2 basis points to 6.81%. Last September, the average sank as far as 6.08%. But back in October 2023, Freddie Mac's average saw a historic rise, surging to a 23-year peak of 7.79%.