Mortgage Rate Surfer
Track national mortgage rates before you buy, lock, or refinance.
Follow weekly 30-year and 15-year fixed-rate averages, compare monthly payment scenarios, and watch for better opportunities with simple planning tools.
Current averages
Today’s National Mortgage Rate Averages
Mortgage Rate Surfer provides educational mortgage-rate information using public data sources. Rates shown are national averages and are not loan offers. Actual rates vary by lender, borrower profile, credit score, loan amount, property type, points, and market conditions.
Rate trend
30-Year Fixed Rate Trend
Payment planning
How much would your monthly payment be?
Change the price, down payment, taxes, insurance, and interest rate to see how today’s rate environment could affect your budget.
Should you lock or float?
Use the rate trend as a starting point, then talk with your lender about your loan type, timeline, points, and closing-date risk.
Could a refinance help?
Compare your current payment with a lower-rate scenario and estimate how long it may take to recover closing costs.
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