According to average rates from the Zillow lender marketplace, mortgage rates are lower headed into the weekend. The current 30-year fixed rate today, **Saturday, September 19, 2026**, fell by 1 basis point to **7.04%**, the 20-year fixed rate fell 10 basis points to **6.82%,**and the 5/1 ARM fell by 10 basis points to **7.04%**. **_Read more:_**_Weekly survey of mortgage lenders with the lowest rates: Breaking the 7% barrier_ Here are the current mortgage rates today, **Saturday, September 19, 2026**, according to the latest Zillow data: Remember, these are the national averages and are rounded to the nearest hundredth. These are today's mortgage refinance rates, **Saturday, September 19, 2026**, according to the latest Zillow data: Again, the numbers provided are national averages rounded to the nearest hundredth.
Mortgage refinance rates are often higher than rates when you buy a house, although that's not always the case. **_Read more:_**_Want to refinance your mortgage in 2026? Here's what to do__._ Use the mortgage calculator below to see how today's interest rates would affect your monthly mortgage payments. Down Payment: This is the part of your home's purchase price that you pay upfront, not covered by your loan.
The amount you pay as a down payment can influence your mortgage interest rate. Generally, larger down payments result in lower interest rates, as lenders see these as a sign of strong financial commitment. Loan Term: This refers to the duration over which you will repay your loan, typically measured in years.
Opting for a longer loan term can reduce your monthly payments by spreading them out over a greater number of years, whereas shorter loan terms generally lead to higher monthly payments. Interest Rate: This is the annual cost you incur for borrowing money, expressed as a percentage of the loan amount. It represents the fee you pay each year to the lender for your loan.
Data is provided as-is via the Zillow Mortgage API © Zillow, Inc., 2024. Use is subject to the Zillow Terms of Use. You can bookmark the Yahoo Financemortgage payment calculator and keep it handy for future use, as you shop for homes and the best mortgage lenders.
You also have the option to enter costs for private mortgage insurance (PMI) and homeowners' association dues, if applicable. These details result in a more accurate monthly payment estimate than if you simply calculated your mortgage principal and interest. There are two main advantages to a 30-year fixed mortgage: Your payments are lower, and your monthly payments are predictable.
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