Today's 30-Year Mortgage Rates | April 2026 | Buy or Refi
See today's 30-year mortgage rates. Includes fixed 30-year mortgage rates for FHA, VA, and conventional loans, plus advice to find your best rate.
themortgagereports.comI don’t have live access to current loan-rate data right now, but I can point you to reliable sources and give you a sense of typical ranges.
Where to check current 30-year fixed rates
- NerdWallet Mortgage Rates: daily survey with national averages and lender quotes.
- Bankrate: aggregates rates from multiple lenders and shows current 30-year fixed rates and APRs.
- The Mortgage Reports: daily rate survey with conventional, FHA, and VA 30-year options.
Expected ranges (these fluctuate daily and by borrower)
- Typical conventional 30-year fixed: roughly 6.0%–6.5% APR around now, with variations based on credit, loan-to-value, and points.
- FHA/VA variants: often slightly lower rates than conventional for similar credit scenarios, but APRs may differ due to mortgage insurance.
Tips to get your precise rate
- Get personalized quotes from 3–5 lenders to compare points, APR, and fees.
- Check your credit score, down payment, and loan amount to see how your rate might change.
- Consider whether paying points up front lowers the breakeven period for your situation.
Would you like me to pull current figures from specific sites and summarize the latest numbers for you? I can fetch up-to-date quotes and compare them side-by-side if you want.