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What are today's mortgage interest rates: April 17, 2026?
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TL;DR
- Shop for mortgage interest rates before making a move, as a Federal Reserve rate cut is highly improbable.
- Rates are unlikely to decrease soon; waiting may lead to higher offers from lenders.
- As of April 17, 2026, average mortgage rates are 6.12% for 30-year and 5.50% for 15-year terms.
- Average refinance rates are 6.83% for 30-year and 5.50% for 15-year terms.
- Shopping around traditionally results in rates significantly lower than the average.
- A 15-year refinance can save on total interest costs and lead to earlier debt freedom, though monthly payments will be higher.