What are today's mortgage interest rates: April 20, 2026?
Summary
Mortgage interest rates for homebuyers and those refinancing have improved slightly as of April 20, 2026. The average rates for 30-year and 15-year loans have dropped from March levels, making borrowing somewhat more affordable, but rates can change daily.Key Facts
- The average 30-year mortgage purchase rate is 5.99% as of April 20, 2026.
- The average 15-year mortgage purchase rate is 5.50%.
- In late March 2026, these rates were higher at 6.37% (30-year) and 5.75% (15-year).
- The average refinance rate for a 30-year mortgage is currently 6.66%.
- The median refinance rate for a 15-year mortgage is 5.62%.
- Rates have recently improved but may not stay low due to market changes and global uncertainties.
- Borrowers are advised to shop around and compare rates from multiple lenders.
- Locking in a mortgage rate now may protect borrowers if rates rise later.
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