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Mortgage refinance rates fell again today. The 30-year fixed dropped to 6.68%, with $644 monthly payments on a $100K loan. 15- and 20-year rates also declined.

Top mortgage rates today Current mortgage rates are down and lower than they were seven days ago and in early 2025, when the average 30-year fixed-rate mortgage reached above 7%.

Rates on 30-year refi loans have dropped more than a tenth of a point this week to reach a new 12-week low. Rates also declined for most other refinance loan types.

Average mortgage rates were flat in June, according to Freddie Mac. The average 30-year fixed-rate mortgage held at 6.82%, while the 15-year stayed at 5.95%.