Today’s mortgage rates have shifted, with the 30-year fixed rate up slightly to 6.47% and the 15-year fixed rate down to 5.66%. The 5/1 adjustable-rate mortgage (ARM) rate has decreased for the third consecutive day, making it a good time to consider an ARM. National averages for various mortgage terms and types are provided, along with tips for getting the lowest rates. When choosing a lender, it’s important to consider factors beyond just interest rates, such as the mortgage APR. Mortgage rates vary by location and are influenced by factors like credit score, down payment, and debt-to-income ratio.

Read more at Yahoo Finance: Mortgage and refinance interest rates today, September 28, 2025: Adjustable rates are falling