3.725% APR

Compare current mortgage rates

Enter your ZIP code to get today’s mortgage rates for you.

Here's what happens next:


Answer a few questions

Tell us about what you’re looking for. No signup required.


See your personalized rates

It takes less than a minute to get options from highly rated lenders.


Explore quotes further

Talk to your top lenders to negotiate and lock in a quote.

Here's what happens next:

Top rated national lenders

At a glance
  • Full line of fixed and adjustable rate mortgages, including FHA and VA loans.
  • Good for: People comfortable using online tools and those looking for FHA loans. Minimum credit score of 620, 580 for FHA loans.
  • Strengths: Verifies employment and tells you how much you qualify for in minutes.
  • Weaknesses: No HELOC or home equity loans. Relies on traditional credit measures.
  • Learn more
  • Offers loan products starting with as little as 3% down
  • Will beat a competitor's offer by at least $1,000 or give customers $1,000
  • Strengths: Offers an "underwriter reviewed" preapproval letter in as little as 24 hours.
  • Weaknesses: Not available in all 50 states.
  • Learn more

What are today’s current mortgage rates?

On February 21st, 2020, the average rate on the 30-year fixed-rate mortgage is 3.725%, the average rate for the 15-year fixed-rate mortgage is 3.192%, and the average rate on the 5/1 adjustable-rate mortgage (ARM) is 3.883%. Rates are quoted as Annual Percentage Rate (APR).

Compare current mortgage rates

The more lenders you check out when shopping for mortgage rates, the more likely you are to get a lower interest rate. Getting a lower interest rate could save you hundreds of dollars over a year of mortgage payments — and thousands of dollars over the life of the mortgage.

With NerdWallet’s easy-to-use mortgage rate tool, you can compare current home loan interest rates — whether you’re a first-time homebuyer looking at 30-year fixed mortgage rates or a longtime homeowner comparing refinance mortgage rates.

Find personalized mortgage rates

NerdWallet’s mortgage rate tool can help you find competitive mortgage rates. Specify the property’s ZIP code and indicate whether you’re buying or refinancing. After clicking "Get Started," you’ll be asked the home’s price or value, the size of the down payment or current loan balance, and the range of your credit score. You’ll be on your way to getting a personalized rate quote, without providing personal information. From there, you can start the process to get preapproved for your home loan. It’s that easy.