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Topic

Mortgages

Updated September 21, 2026

Home loans and rates.

Tools and guides

  • ToolMortgage CalculatorPrincipal and interest only. You enter the rate — we do not invent a market quote.
  • GuideRefinance versus extra mortgage principalA refinance is a new loan. Extra principal is a payment on the loan you already have. The paperwork is different.
  • GuideClosing costs overviewWhat typically shows up besides principal and interest — and why a P&I calculator leaves those lines out.

Mortgage rate snapshot

Dated 30-year and 15-year fixed figures. You still enter your own rate in the calculator.

Full comparison
ProductRateAPRPoints
30-year fixed6.45%6.45%0
15-year fixed5.75%5.79%0

How we compared: figures as published for this snapshot on the as-of date. Not a ranking.

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A fixed mortgage rate is not the federal funds rate

The note rate is a contract. Policy rates are a range. Mixing them makes a payment look like a forecast.

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Discount points are not the rest of closing costs

Points buy a rate. Title, origination, and prepaid items still show up on a Loan Estimate.