Mortgage Rates Today: 30-Year Fixed at 6.44%, Refinance Rates Listed

As of July 12, 2026, the 30-year fixed mortgage rate is 6.44%, up 4 basis points from last week. The 20-year fixed has decreased by 8 basis points to 6.21%, while the 15-year fixed rate fell to 5.86%. Current refinance rates show a 30-year fixed at 6.52% and a 5/1 ARM at 6.55%. These figures indicate a general trend of lower mortgage rates, which can signal increased affordability for homebuyers and impact housing market activity.