/mortgages
Today's Mortgage Rates — June 2026
Live 30-year fixed, 15-year, and refinance APRs from the top lenders, plus VA, FHA, USDA, and credit-union options you won't see on most aggregators. Benchmarked against the FRED MORTGAGE30US series.
Mortgage Rates · Updated daily● LIVE FEED
| Lender | APR | Type | ||
|---|---|---|---|---|
USDA Loan via Fairway USDA 30-Year · Min credit 640 · 0% down · 0% down in eligible areas. | 6.70% APR | Rural / Hidden | ||
NBKC Bank 30-Year Fixed · Min credit 620 · 3% down · Direct lender, no origination fee. | 6.61% APR | Low APR | ||
Bethpage FCU 15-Year Fixed · Min credit 660 · 5% down · Members nationwide via easy join. | 5.99% APR | Credit Union Only | ||
Better.com 30-Year Fixed · Min credit 620 · 3% down · $0 lender fees, fully online. | 6.75% APR | No Lender Fees | ||
VA Loan via Veterans United 30-Year VA · Min credit 580 · 0% down · 0% down for eligible vets. | 6.45% APR | Veterans Only | ||
Rocket Mortgage 30-Year Fixed · Min credit 620 · 3% down | 6.87% APR | Popular | ||
Penfed Credit Union 30-Year Fixed · Min credit 620 · 3% down | 6.74% APR | Credit Union | ||
Ally Home 30-Year Fixed · Min credit 620 · 3% down | 6.94% APR | Jumbo Eligible |
How we rank
Methodology · Mortgages & Refi
Listings on BankCheap are ranked by a transparent formula that weighs current rate, fees, terms, deposit/credit requirements, and institutional safety (FDIC/NCUA insurance, regulator standing). We surface hidden-gem credit unions and Treasury options alongside major banks — not just whoever pays the highest affiliate commission. Read the full methodology or see where the data comes from.
Frequently asked
Common questions
- What is a good mortgage rate right now?
- A 'good' rate is typically at or below the national average for 30-year fixed mortgages. Check the live FRED 30-year fixed benchmark in our ticker — anything within 0.25% of that for a conventional loan with strong credit is competitive.
- What's the difference between interest rate and APR on a mortgage?
- The interest rate is what you pay on the principal each year. APR includes the interest rate plus points, lender fees, and certain closing costs — making it a more apples-to-apples comparison across lenders.
- How much do I need to put down on a house?
- Conventional loans typically require 3–5% down for first-time buyers. FHA accepts 3.5% with a 580+ credit score. VA and USDA loans can require 0% down for qualifying borrowers.
- When should I refinance my mortgage?
- A common rule of thumb is to consider refinancing when rates drop 0.75–1.00% below your current rate and you plan to stay in the home long enough to recover closing costs.
- What credit score do I need for a mortgage?
- Conventional loans typically need a 620+ FICO; FHA accepts 580+ with 3.5% down; VA loans have no federal minimum but most lenders want 580–620+.
- Should I buy mortgage points?
- Points are an upfront fee (typically 1% of the loan per point) that lowers your interest rate. They make sense if you'll stay in the home long enough for the monthly savings to exceed the upfront cost.
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