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This Week's Numbers

Rate snapshot

Rates pulled: Jun. 1, 2026, 6:30 AM ET

National average mortgage rates and an educational view of where scenarios may drift next week and next month.

Illustrative national averages, refreshed weekly. Not a quote, rate lock, or guaranteed prediction.

Loan type Rate / APR Change (wk) Next-week outlook Next-month outlook
30-year fixedConventional
Rate / APR6.56%6.63% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.03 lower this week
Next-week outlookLower bias0.00-0.05 pts lowerLower bias. Expected move: 0.00-0.05 pts lower.
Next-month outlookLower bias0.05-0.20 pts lowerLower bias. Expected move: 0.05-0.20 pts lower.
20-year fixedConventional
Rate / APR6.35%6.44% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.03 lower this week
Next-week outlookLower bias0.00-0.05 pts lowerLower bias. Expected move: 0.00-0.05 pts lower.
Next-month outlookLower bias0.05-0.20 pts lowerLower bias. Expected move: 0.05-0.20 pts lower.
15-year fixedFaster payoff
Rate / APR5.92%6.02% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.04 lower this week
Next-week outlookLower bias0.00-0.05 pts lowerLower bias. Expected move: 0.00-0.05 pts lower.
Next-month outlookLower bias0.05-0.15 pts lowerLower bias. Expected move: 0.05-0.15 pts lower.
30-year FHALower down payment
Rate / APR6.39%6.44% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.02 lower this week
Next-week outlookFlatFlat to 0.05 lowerFlat. Expected move: Flat to 0.05 lower.
Next-month outlookMixedMixed, 0.00-0.15 lowerMixed. Expected move: Mixed, 0.00-0.15 lower.
30-year VAEligible military
Rate / APR6.51%6.56% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.03 lower this week
Next-week outlookFlatFlat to 0.05 lowerFlat. Expected move: Flat to 0.05 lower.
Next-month outlookMixedMixed, 0.00-0.15 lowerMixed. Expected move: Mixed, 0.00-0.15 lower.
30-year jumboHigher loan amounts
Rate / APR6.69%6.73% APRWithin this week's range of 5.85% to 6.80%.
Change this week-0.02 lower this week
Next-week outlookFlatFlat, choppyFlat. Expected move: Flat, choppy.
Next-month outlookMixed-0.10 to +0.10 ptsMixed. Expected move: -0.10 to +0.10 pts.
  • Range bar shows where the rate sits in this week's low-to-high band
  • Green = lower / easing bias
  • Amber = mixed / choppy
  • Red = higher bias

The week-change and next-week/next-month outlook are an educational scenario based on our current 30-day model bias (slightly lower but still volatile; national 30-year fixed scenario range roughly 6.35%-6.75%). They are not a guaranteed prediction, quote, rate-lock offer, APR promise, or financial advice. Rates can move either direction. Your actual rate depends on credit, loan size, location, program, and lender pricing. See disclaimer.

Borrower Path Finder

Find the mortgage path that fits your situation

Answer two quick questions and we will point you to the guide and calculator that fit your situation. The matcher runs entirely in your browser and recommends the next best page to read.

Rate Watch Dashboard

Trying to figure out where mortgage rates go next?

Most rate pages stop at today's number. This dashboard tracks the public signals that usually move mortgage pricing so shoppers can decide whether to compare now, watch a little longer, or ask lenders about lock and float-down options.

Current bias Slightly lower, still volatile
Model score: -2 on a -10 to +10 pressure scale
Open the full forecast chart
InflationLower pressure

Cooling CPI would support lower bond yields and mortgage rates.

JobsMixed

Strong hiring can keep yields elevated; weaker reports can help borrowers.

Fed guidanceLower pressure

Clearer rate-cut timing would improve the six-month outlook.

Treasury / MBSChoppy

Mortgage pricing can lag or widen even when Treasury yields move.

30-day view: compare now if timing matters

If you are under contract or shopping actively, the bigger risk is missing lender differences, not perfectly timing the market. Compare APR, fees, credits, and lock terms now, then ask about float-down policies.

Could push rates down

Cooler CPI, softer jobs, lower 10-year Treasury yields, narrower MBS spreads.

Could push rates up

Hot inflation, stronger payrolls, hawkish Fed language, wider mortgage-bond spreads.

This is an educational scenario dashboard, not financial advice, a rate guarantee, or a recommendation to delay or lock a loan.

Tools and Guides

Build your mortgage plan with free tools and guides

Surround the rate tables with calculators and plain-English buying guides so you can plan with confidence. Everything here is free to use with no account required.

Tool

Affordability calculator

Estimate a responsible home-price range from income, debts, down payment, rate, taxes, and insurance.

Calculate buying power
Tool

Closing cost calculator

Budget lender fees, title charges, prepaid taxes, insurance, and escrow before you compare loan estimates.

Estimate cash to close
Tool

PMI calculator

Estimate private mortgage insurance and see how down payment changes your monthly cost.

Estimate PMI
Hub

Loan type guide

Compare conventional, FHA, VA, USDA, jumbo, and refinance options in one APR-first guide.

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State mortgage rates

Browse state-specific mortgage-rate pages with local rate context, calculators, and comparison checklists.

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Checklist

Pre-approval checklist

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Where do you want to start?

Buying a home

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First-time buyer guide

Refinancing

Compare your current loan against today's offers, calculate break-even months, and decide if a refi is worth the closing costs.

Refinance vs. purchase

Estimating payments

Use our local mortgage calculator to model principal, interest, taxes, insurance, and HOA in one view.

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