Mortage Rates

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Today's
Mortgage
Rates

15-Year Fixed

4%

VA 30-Year Fixed

38%

FHA 30-Year Fixed

78%

30-Year Jumbo Fixed

62%

Conventional mortgages

These are loans that are frequently purchased by Fannie Mae or Freddie Mac, two large government-sponsored firms that play a key role in the lending market.

Fixed-rate mortgages

The interest rate on a fixed-rate mortgage does not vary over the term of the loan. Borrowers are thus protected against rate swings. For example, if you have a 3.5 percent fixed-rate mortgage and interest rates rise to 5% in the following week, year, or decade, your interest rate is locked in, and you won't have to worry about paying more.

Adjustable-rate mortgages

ARMs have an initial fixed-rate period during which the interest rate does not vary, followed by a lengthier period during which the rate may change at predetermined intervals.