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What are today's mortgage interest rates: April 15, 2026?
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TL;DR
- The average 30-year mortgage rate is 6.12% and the 15-year rate is 5.62% as of April 15, 2026.
- Refinance rates are 6.68% for 30-year and 5.79% for 15-year terms.
- Mortgage rates have declined from decade-highs but have seen recent increases due to inflation, paused Federal funds rates, and geopolitical tensions.
- Borrowers should shop around for rates and lenders, check credit reports, and calculate costs before purchasing or refinancing.
- A 15-year refinance term can save on interest and reduce payoff time but may have higher monthly payments.