According to Zillow lender marketplace rates, mortgage rates today, **Sunday, September 20, 2026**, are much higher compared to last week. The current 30-year fixed rate is up 13 basis points to **7.04%,** the 20-year fixed rate increased by 3 basis points to **6.82%,**and the 5/1 ARM is up 19 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, **Sunday, September 20, 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, **Sunday, September 20, 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 various mortgage terms and interest rates will impact your monthly 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.
It also considers factors like property taxes and homeowners insurance when determining your estimated monthly mortgage payment. This gives you a more realistic idea of your total monthly payment than if you just looked at mortgage principal and interest. The average 30-year mortgage rate today is **7.04%**.
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