Mortgages without the overpaying
On Bankrate, lenders compete for your loan. Every offer is generated by up to 100+ mortgage lenders bidding for your business in real time — so whether you’re buying, refinancing, or tapping your equity, you see the rate the market actually offers.
- $73k
Average saved by Bankrate mortgage users over 30 years.
- 600+
Banks and credit unions surveyed annually.
- 99.7%
Bankrate offers beat 99.7% of banks and credit unions
Mortgage rates today
National average mortgage rates
6.71%
Bankrate’s lowest 30-year fixed rate
30-year fixed
7.34%
0.23%15-year fixed
6.70%
0.19%30-year FHA
7.11%
0.27%30-year VA
7.14%
0.30%
Rates as of September 29, 2026
You don't have to be one of the 90% of borrowers who overpay
The average purchase homebuyer pays $3,656 more a year than they need to. See how lenders competing for your business changes that.
Find your best rate
Our tools, your decision
All calculatorsMortgage calculator
Find out what your monthly payment will actually look like.
Amortization calculator
See how much of your payment goes to interest.
Interest-only mortgage calculator
See what you’re paying now versus what you’ll owe later.
Debt-to-income ratio calculator
Compare what you owe each month to what you earn.
Mortgage refinance calculator
See whether refinancing would save you money.
9 out of 10 homebuyers overpay for their mortgage.
We analyzed 3.2 million mortgage originations — the largest independent study of its kind. The typical borrower overpays by $3,363 a year, not because better rates don’t exist, but because borrowers did not use Bankrate. We exist to save you money.
Explore the data
$3k+
In avoidable annual costs for the typical borrower
$78k
In excess costs over the life of the loan
$65B
Drained annually from U.S. households by above-market rates
Featured by names you know and trust
The latest
How much a home equity sharing agreement could cost you
You get cash out of your home, in return for a piece of the proceeds when you sell.
September 30, 2026
What is an FHA mortgage insurance premium?
It’s an extra expense — the price you pay for the FHA loan’s generosity.
September 30, 2026
Adjustable-rate mortgages: What they are and how they work
It’s a mortgage with a fluctuating interest rate. This can save you some money in the early years — but it’ll likely cost you in the long run.
September 30, 2026
Mortgage brokers: What they do and how they help homebuyers
This home-financing pro could help you find that perfect loan.
September 30, 2026
What is a home equity loan and how do you get one?
It’s a way to put your homeownership stake to work, though not without risk.
September 30, 2026
What is a fixed-rate HELOC, and how do they work?
Traditional HELOCs come with variable interest rates, but it’s also possible to fix your rate.
September 30, 2026