Mortgage and Refinance Rates Dive in Week Ahead: July 12 Moves Detailed[TITLE]

As of Sunday, July 12, 2026, mortgage rates show a general decline from last week’s figures based on Zillow data. Here’s the current rate breakdown:

Current rates include:
30-year fixed: 6.44%

20-year fixed: 6.21%

15-year fixed: 5.86%

5/1 ARM: 6.21%

Original report notes the 30-year fixed increased 4 basis points while shorter-term rates declined, with 15-year and 5/1 ARM rates dropping 4-8 basis points compared to prior week averages. National rates provided are rounded to the nearest hundredth.

Today’s mortgage rates

Here are the current mortgage rates today, Sunday, July 12, 2026:

• 30-year fixed: 6.44%
• 20-year fixed: 6.21%
• 15-year fixed: 5.82%
• 5/1 ARM: 6.21%
• 7/1 ARM: 6.35%
• 30-year VA: 5.88%
• 15-year VA: 5.43%
• 5/1 VA: 5.66%

Note: These averages don’t include taxes, insurance, or other additional costs that affect actual monthly payments.

Today’s mortgage refinance rates

Latest refinance rates (rounded to nearest hundredth) as of July 12, 2026:

• 30-year fixed: 6.52%
• 20-year fixed: 6.11%
• 15-year fixed: 5.89%
• 5/1 ARM: 6.55%
• 7/1 ARM: 6.58%
• 30-year VA: 5.88%
• 15-year VA: 5.42%
• 5/1 VA: 5.44%

Refinance rates typically exceed purchase rates, though exceptions exist. These figures represent Zillow’s updated marketplace data.

Monthly mortgage payment calculator

This tool estimates monthly payments incorporating principal/interest, property taxes, insurance, and HOA fees. For example:

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