Our goal here at Credible Operations, Inc., NMLS number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are ours.

View mortgage rates for March 26, 2021, which are unchanged from yesterday. (iStock)

Based on data compiled by Credible Operations, Inc., NMLS number 1681276, mortgage rates have remained unchanged since yesterday.

  • Fixed mortgage rates over 30 years: 3.125%, immutable
  • 20-year fixed mortgage rates: 2.750%, immutable
  • Fixed mortgage rates over 15 years: 2.375%, immutable
  • 10-year fixed mortgage rates: 2.125%, immutable

Prices updated on March 26, 2021. These prices are based on the assumptions presented here. Actual rates may vary.

To find the best mortgage rate, start by using Credible, which can show you current mortgage and refinance rates:

Browse the rates of several lenders to make an informed decision about your home loan.

Looking at Mortgage Refinance Rates Today

Mortgage refinance rates today are largely unchanged from yesterday, but rates for all loan types are down week over week. The average rate for all refinancing rates fell nearly 200 basis points in seven days to 2.688%. If you are considering refinancing an existing home, find out what refinancing rates look like:

  • Fixed refinancing rates over 30 years: 3.125%, immutable
  • Fixed refinancing rates over 20 years: 2.875%, immutable
  • Fixed refinancing rates over 15 years: 2.500%, immutable
  • Fixed refinancing rates over 10 years: 2.250%, immutable

Prices updated on March 26, 2021. These prices are based on the assumptions presented here. Actual rates may vary.

A site like Credible can be of great help when you are ready to compare mortgage refinancing loans. Credible allows you to view prequalified rates for conventional mortgages from multiple lenders within minutes. Visit Credible today to start.

Current mortgage rates

Mortgage interest rates ease and hold after a week of steadily declining. The average rate of the four types of loans remains historically low overall at 2.594%.

Current 30-year mortgage rates

The current interest rate for a 30 year fixed rate mortgage is 3.125%. It’s the same as yesterday.

Current 20-year mortgage rates

The current interest rate for a 20 year fixed rate mortgage is 2.750%. It’s the same as yesterday.

Current 15-year mortgage rates

The current interest rate for a 15 year fixed rate mortgage is 2.375%. It’s the same as yesterday.

Current 10-year mortgage rates

The current interest rate for a 10 year fixed rate mortgage is 2.125%. It’s the same as yesterday.

You can explore your mortgage options in minutes by visiting Credible to compare the current rates of various lenders who offer mortgage refinances as well as home loans. Discover Credible and get prequalified today, and take a look at today’s refinance rates via the link below.

Prices updated on March 26, 2021. These prices are based on the assumptions presented here. Actual rates may vary.

How mortgage rates have changed

Today, mortgage rates are down compared to the same time last week.

  • Fixed mortgage rates over 30 years: 3.125%, the same as last week
  • 20-year fixed mortgage rates: 2.750%, compared to 2.875% last week, -0.125
  • Fixed mortgage rates over 15 years: 2.375%, the same as last week
  • 10-year fixed mortgage rates: 2.125%, compared to 2.250% last week, -0.125

Prices updated on March 26, 2021. These prices are based on the assumptions presented here. Actual rates may vary.

If you are trying to find the right rate for your mortgage or are looking to refinance an existing home, consider using Credible. You can use Credible’s free online tool to easily compare multiple lenders and see prequalified rates in minutes.

Mortgage rate forecast in 2021

While it’s impossible to fully predict what mortgage rates will look like in the future, experts can analyze several key indicators to predict future rate trends.

Are you wondering if you should wait to refinance or buy a home? Take a look at what researchers Freddie Mac and Fannie Mae think rates will look like for the rest of the year. Keep in mind that the rates you actually qualify for will be determined by things like your credit score and down payment percentage in addition to the current rates, so actual rates will vary.

Freddie Mac’s mortgage rate forecast

Researchers from Freddie mac expect mortgage rates to rise slightly throughout 2021, citing the Federal Reserve’s commitment to keep interest rates low for the foreseeable future.

Here are Freddie Mac’s predictions on what 30-year fixed rates will look like for the rest of the year:

  • Q2 (April to June): 2.9%
  • Q3 (July to September): 3.0%
  • Q4 (October to December): 3.0%

Fannie Mae’s mortgage forecast

Fannie Mae researchers predict that mortgage rates will trend up slightly this year, citing a continued rise in the 10-year Treasury yield. Ultimately, however, experts at Fannie Mae believe lenders will “absorb” some of the high costs as “the demand for refinancing gradually declines” – keeping rates relatively stable.

Based on January rates, here’s what Fannie Mae’s economists will look like for the remainder of 2021:

  • Q2 (April to June): 2.8%
  • Q3 (July to September): 2.9%
  • Q4 (October to December): 2.9%

How to get low mortgage rates

Mortgage and refinancing rates are affected by many economic factors, such as the unemployment rate and inflation. But your personal financial history will also be determine the rates offered to you.

If you want to get the lowest possible monthly mortgage payment, the following can help you get a lower rate on your home loan:

It’s also a good idea to compare the rates of different lenders to find the best rate for your financial goals. According to research by Freddie mac, borrowers can save $ 1,500 on average over the life of their loan by purchasing one additional rate quote – and on average $ 3,000 by comparing five rate quotes.

Credible can help you compare the current rates of several mortgage lenders suddenly in a few minutes. Are you looking to refinance an existing home? Use Credible’s online tools to compare prices and pre-qualify today.

Mortgage interest rates by type of loan

Whether you’re a first-time buyer looking for a 30- or 15-year mortgage, or looking to refinance an existing home, Credible can help you find the right mortgage for your financial goals.

Before completing your mortgage loan application, see these loan rates, which you can compare by annual percentage rate (APR) as well as the interest rate:

Mortgage refinancing:

Purchase house:

Have a finance-related question, but don’t know who to ask? Email The Credible Money Expert at [email protected] and your question could be answered by Credible in our Money Expert column.


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