{"id":10,"date":"2026-06-06T02:12:38","date_gmt":"2026-06-06T02:12:38","guid":{"rendered":"https:\/\/mortgageratesurfer.com\/?page_id=10"},"modified":"2026-06-06T03:20:47","modified_gmt":"2026-06-06T03:20:47","slug":"mortgage-rate-surfer","status":"publish","type":"page","link":"https:\/\/mortgageratesurfer.com\/","title":{"rendered":"Mortgage Rate Surfer"},"content":{"rendered":"
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Mortgage Rate Surfer<\/p>\n

Track mortgage rates. Compare payments. Watch for better opportunities.<\/h1>\n

Follow national 30-year and 15-year fixed mortgage-rate averages, estimate monthly payments, and use simple tools to think through buying, locking, floating, or refinancing.<\/p>\n

View Today\u2019s Rates<\/a>Use Calculator<\/a>Read Guides<\/a><\/div>\n <\/div>\n <\/section>\n

Current averages<\/p>

Today\u2019s National Mortgage Rate Averages<\/h2>

These weekly averages are useful for watching the market, but they are not personalized loan quotes.<\/p>

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30-Year Fixed<\/div>\n
6.48%<\/div>\n
Weekly change: -0.05%<\/div>\n
Updated June 4, 2026<\/div>\n <\/div>\n
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15-Year Fixed<\/div>\n
5.79%<\/div>\n
Weekly change: -0.08%<\/div>\n
Updated June 4, 2026<\/div>\n <\/div>\n <\/div>\n

Mortgage Rate Surfer provides educational mortgage-rate information using public data sources. Rates shown are national averages and are not loan offers. Actual rates vary by lender, borrower profile, credit score, loan amount, property type, points, and market conditions.<\/p>\n <\/section>\n

What it means<\/p>

How to read this week\u2019s rates<\/h2>

For home buyers<\/h3>

Use the average rate as a starting point, then estimate your own payment with your home price, down payment, taxes, insurance, and credit situation.<\/p><\/div>

For homeowners<\/h3>

Compare your current rate with today\u2019s averages, then check whether potential monthly savings could justify refinance costs.<\/p><\/div>

For rate watchers<\/h3>

One weekly move rarely tells the whole story. Watch the trend, your timeline, and your lender\u2019s lock options together.<\/p><\/div><\/div><\/section>\n

Rate trend<\/p>

30-Year Fixed Rate Trend<\/h2>
\n \n \n \n \n 2.25%<\/text>\n \n 3.75%<\/text>\n \n 5.25%<\/text>\n \n 6.75%<\/text>\n \n 8.25%<\/text>\n \n \n Jun 2016<\/text>\n Jun 2026<\/text>\n <\/svg>\n
30-Year Fixed:<\/strong> 6.48% as of June 4, 2026. Showing about 120 months of weekly FRED observations.<\/div>\n <\/div>\n <\/section>\n

Payment planning<\/p>

How much would your monthly payment be?<\/h2>

Change the price, down payment, taxes, insurance, and interest rate to see how today\u2019s rate environment could affect your budget.<\/p>

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