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Today’s 30-year mortgage rates
Today’s 30-year mortgage rates
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Today's 30-year mortgage rates
Lenders nationwide provide weekday mortgage rates to our comprehensive national survey to bring you the most current rates available. Here you can see the latest marketplace average rates for a wide variety of purchase loans. The interest rate table below is updated daily to give you the most current purchase rates when choosing a home loan. APRs and rates are based on no existing relationship or automatic payments. For these averages, the customer profile includes a 740 FICO score and a single family residence. To learn more, see understanding Bankrate rate averages.
|30-Year Fixed Rate||2.980%||3.220%|
|30-Year Fixed-Rate VA||2.620%||2.830%|
|20-Year Fixed Rate||2.830%||3.050%|
|15-Year Fixed Rate||2.280%||2.610%|
|30-Year Fixed-Rate FHA||2.590%||3.480%|
|30-Year Fixed-Rate Jumbo||2.990%||3.120%|
|15-Year Fixed-Rate Jumbo||2.280%||2.370%|
|7/1 ARM Jumbo||3.200%||3.550%|
|5/1 ARM Jumbo||2.850%||3.530%|
Rates as of Saturday, July 31, 2021 at 6:30 AM
Top 5 Bankrate 30-year mortgage lenders
- Better.com – Best online lender
- AmeriSave Mortgage Corporation – Best for refinancing
- Zillow Home Loans – Best for first-time homebuyers
- Cardinal Financial Company – Best for low-credit score borrowers
- Homeside Financial (Lower) – Best overall
Bankrate helps thousands of borrowers find mortgage and refinance lenders every day. To determine the top mortgage lenders, we analyzed proprietary data across more than 150 lenders to assess which on our platform received the most leads within a three-month period. We then assigned superlatives based on factors such as fees, products offered, convenience and other criteria. These top lenders are updated regularly.
Better.com – Best online lender
Better.com (Better Mortgage) is an online mortgage lender, available in the majority of states in the U.S., and one of Bankrate’s best mortgage lenders overall.
Strengths: Better.com can preapprove you in as little as three minutes, and closings take, on average, just 21 days. The lender doesn’t charge fees, and its proprietary technology automatically applies other discounts, too, if you’re eligible. Since Better is completely digital, you can get the process started anytime online, and have access to support 24/7.
Weaknesses: If you’re interested in a VA or USDA loan, you’ll need to shop elsewhere, as Better doesn’t offer these types of mortgages at this time. The lender doesn’t maintain branch locations, either, if you’d prefer an in-person experience.
AmeriSave Mortgage Corporation – Best for refinancing
AmeriSave Mortgage Corporation is an online mortgage lender operating in every state except New York. The lender offers a range of purchase and refinance options, and was named one of Bankrate’s best FHA lenders this year.
Strengths: If you’re looking to take out a 30-year mortgage (either to buy a home or refinance your current loan), AmeriSave Mortgage Corporation can offer competitive rates and fast closings. In fact, 50 percent of borrowers have closed in as little as 25 days, according to the lender.
Weaknesses: There’s a $500 non-refundable application fee.
Zillow Home Loans – Best for first-time homebuyers
Zillow Home Loans, the mortgage lender affiliated with Zillow Group, offers resources for first-time homebuyers related to everything from budget to documents needed. The lender is licensed in most states, but not all, so check before applying.
Strengths: Zillow Home Loans has an A+ rating from the Better Business Bureau, and if you’re checking out properties through Zillow Offers or working with a Zillow Premier Agent, you could potentially save money on your 30-year mortgage through the lender.
Weaknesses: Zillow Home Loans doesn’t advertise rates on its website, and doesn’t offer jumbo loans or USDA loans.
Cardinal Financial Company – Best for low-credit score borrowers
Cardinal Financial Company, also doing business as Sebonic Financial, is licensed in all 50 states, with both in-person and online service.
Strengths: Cardinal Financial can accept credit scores as low as 620 for a conventional loan, 580 for an FHA or USDA loan, 550 for a VA loan and 660 for a jumbo loan. The lender has closed in as little as one week, although the average timeframe is 30 days.
Weaknesses: If you’re looking for interest rate and fee information, you’ll have to inquire directly with the lender; this information isn’t showcased on Cardinal Financial’s website.
Homeside Financial (Lower) – Best overall
Homeside Financial, which also does business as Lower (or Lower.com), offers 30-year mortgages and other types of loans in 42 states and Washington, D.C. It has closed more than 34,000 mortgages and funded more than $7 billion in loans to date.
Strengths: Homeside Financial offers not only conventional and jumbo loans but also FHA, VA and USDA loans. The lender has options for seamless communication throughout the process, either by call, email or text, if you have questions about your 30-year mortgage.
Weaknesses: Homeside Financial isn’t available in all 50 states at this time, and it can be tricky to find mortgage rates advertised on its website — you’ll have to contact the lender directly for current rates. (If you’re browsing Lower.com, however, you might be able to see daily rates.)
30-year mortgage FAQ
Other mortgage tools:
- Mortgage calculator: estimate your monthly payment and see how much house you can afford
- Compare today's top refinance rates: lower your monthly mortgage payment
- First time home buyers grants and programs: get financial assistance to lower your down payment and closing costs
|Loan Type||Purchase Rates||Refinance Rates|
|The table above links out to loan-specific content to help you learn more about rates by loan type.|
|30-Year Loan||30-Year Mortgage Rates||30-Year Refinance Rates|
|20-Year Loan||20-Year Mortgage Rates||20-Year Refinance Rates|
|15-Year Loan||15-Year Mortgage Rates||15-Year Refinance Rates|
|10-Year Loan||10-Year Mortgage Rates||10-Year Refinance Rates|
|FHA Loan||FHA Mortgage Rates||FHA Refinance Rates|
|30-Year FHA Loan||30-Year FHA Loan Rates||30-Year FHA Refinance Rates|
|VA Loan||VA Mortgage Rates||VA Refinance Rates|
|ARM Loan||ARM Mortgage Rates||ARM Refinance Rates|
|5/1 ARM||5/1 ARM Rates||5/1 Refinance Rates|
|7/1 ARM||7/1 ARM Rates||7/1 Refinance Rates|
|10/1 ARM||10/1 ARM Rates||10/1 Refinance Rates|
|Jumbo Loan||Jumbo Mortgage Rates||Jumbo Refinance Rates|
|30-Year Jumbo Loan||30-Year Jumbo Loan Rates||30-Year Jumbo Refinance Rates|
Mortgage rates in other states
- United States
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington DC
- West Virginia