Today's Mortgage Rates - July 31, 2026

Safe Rate's mortgage rates as of July 31, 2026 5:30 PMNMLS #1590949

First condo6.886% interest rate7.021% APR$1,776 / month$0 points$270,000 loan10% down740 credit score100% AMICondominium30-year term

Traditional single family home6.837% interest rate6.844% APR$2,618 / month$0 points$400,000 loan20% down780 credit scoreSingle family home30-year term

McMansion5.934% interest rate5.941% APR$6,102 / month$0 points$726,200 loan40% down800 credit scoreSingle family home15-year term

Max conventional6.763% interest rate6.768% APR$4,716 / month$0 points$726,200 loan20% down800 credit scoreSingle family home30-year term

Small loan7.075% interest rate7.091% APR$1,073 / month$0 points$160,000 loan20% down760 credit scoreSingle family home30-year term