What are today's mortgage interest rates: April 17, 2026?
Summary
Mortgage interest rates have mostly stayed steady in early April 2026. The average rate for a 30-year mortgage is 6.12%, and for a 15-year mortgage, it is 5.50%. Mortgage refinance rates for a 30-year loan are higher at 6.83%, while for a 15-year loan, they match the homebuyer rate of 5.50%.Key Facts
- The Federal Reserve meeting at the end of April 2026 is unlikely to result in an interest rate cut.
- Mortgage rates have stabilized after rising in March and are lower than in early 2024 and 2025.
- Average mortgage rate for a 30-year loan is 6.12% as of April 17, 2026.
- Average mortgage rate for a 15-year loan is 5.50%.
- Average refinance rate for a 30-year loan is 6.83%.
- Average refinance rate for a 15-year loan is 5.50%, same as the purchase rate.
- Shopping around can help borrowers find rates about half a percentage point below the average.
- Shorter-term loans have higher monthly payments but reduce the total interest paid and pay off the loan faster.
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