Today's mortgage rates
The benchmark rates and the 10-year Treasury they track, in plain language. An estimate to orient you, not a rate quote.
What this means
The 10-year Treasury, which fixed mortgage rates tend to track, is at 4.35% (down 3 bps from the prior reading). When it rises, fixed rates usually follow within days; when it falls, there is room for them to ease.
HELOC rates are different: they move with the Prime rate (currently 7.50%), which steps with the Fed. So a HELOC is the rate that changes when the Fed does, while a fixed second or cash-out refinance is tied to longer rates.
Showing illustrative sample figures. Live data from FRED appears automatically once FRED_API_KEY is set. These are benchmarks to orient you, not a rate quote or an offer; your actual rate depends on a full review. To compare what tapping your equity would cost, use the equity estimator.