Today's Mortgage Rates
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| Loan Type | Rate | APR | Monthly Payment | Points | Week Chg | 8-Wk Trend | |
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Rates from Federal Reserve / Freddie Mac PMMS, updated weekly (Thursdays). Payments based on selected price/down. Not a commitment to lend.
Live Lender Rate Quotes
Personalized by state, credit score & loan scenario
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Quotes based on Freddie Mac benchmark adjusted for your scenario. Click "Apply Now" to visit lender — RateCroft may receive compensation. Real rates vary. NMLS numbers for reference.
Mortgage Rate History
Federal Reserve / Freddie Mac PMMS historical data
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Series:
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Current
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Period Change
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Period Low
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Period High
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Historical data from FRED / Freddie Mac PMMS. Weekly data for 30-yr and 15-yr fixed; ARM derived. Past rates don't predict future rates.
🔔 Rate Drop Alerts
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Alerts checked weekly (Thursdays) when FRED data updates. Unsubscribe anytime via link in emails. We never sell your data.
Frequently Asked Questions
When are rates updated?
Freddie Mac releases PMMS data every Thursday. RateCroft fetches and caches it immediately. Alerts are sent Thursday evenings.
How accurate are the lender quotes?
Quotes are based on the Freddie Mac national benchmark adjusted for your state, credit score, and LTV. Real lender rates vary by 0.10–0.40%. Use them to set expectations before shopping lenders directly.
What's a good mortgage rate right now?
A rate within 0.25% of the Freddie Mac national average for your credit tier is competitive. With 760+ score and 20% down you should typically beat the average.
Should I lock my rate now or wait?
Nobody can predict rates with certainty. If the payment is comfortable, locking eliminates risk. Set a rate alert to be notified if rates drop further before you're ready to commit.