Today’s national average mortgage and refinance rates remain close to one-year lows, with the 30-year fixed mortgage rate averaging 6.09% and the 15-year fixed rate at 5.44%. Current mortgage rates include a 30-year fixed rate of 5.96%, 20-year fixed rate of 6.07%, and 15-year fixed rate of 5.51%. Mortgage refinance rates are slightly higher, with a 30-year fixed rate of 6.12% and a 15-year fixed rate of 5.64%. Economists predict minimal changes in mortgage rates through 2027, with the MBA forecasting rates around 6.4% and Fannie Mae expecting rates to dip to 5.9% by Q4 2026.

Read more at Yahoo Finance: Mortgage and refinance interest rates today, January 23, 2026: Close to one-year lows