Your personalized rates

Shop the latest mortgage and refinance rates and get quotes tailored to you.

Refine results

Loan purpose

Are you a veteran?

Eligible for an FHA loan?

Refine results

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

What are today’s current mortgage rates?

On December 13th, 2019, the average rate on the 30-year fixed-rate mortgage is 3.99%, the average rate for the 15-year fixed-rate mortgage is 3.57%, and the average rate on the 5/1 adjustable-rate mortgage (ARM) is 4.22%. 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.