The interest rate on a 30-year fixed-rate mortgage is 6.990% as of July 1, which is 0.115 percentage points higher than on Friday. Additionally, the interest rate on a 15-year fixed-rate mortgage is 6.125%, which is unchanged from Friday. With mortgage rates changing daily, it’s a good idea to check today’s rate before applying for a loan. It’s also important to compare different lenders’ current interest rates, terms and fees to ensure you get the best deal. Rates last updated on July 1, 2024.
Generally, they reserve the lowest rates for low-risk borrowers — that is, those with a higher credit score, income and down payment amount. Here are some other personal factors that may determine your mortgage rate: Other indirect factors that may determine the mortgage rate include: Along with certain economic and personal factors, the lender you choose can also affect your mortgage rate.
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