fixed mortgage rates are higher today compared to Tuesday.
According to the Zillow lender marketplace, fixed mortgage rates are higher today compared to Tuesday. The average 30-year fixed rate today, Wednesday, August 12, 2026, is 6.65%, up 6 basis points since yesterday.
The 15-year fixed loan is currently at 6.00%, 3 basis points higher than yesterday. The 5/1 ARM is 6.51%, 1 basis point lower than on Tuesday. Weekly survey of mortgage lenders with the lowest rates: Lower rates and stiff fees Today’s mortgage rates Here are the current mortgage rates for Wednesday, August 12, 2026, according to the latest Zillow data: – 30-year fixed: 6.65% – 20-year fixed: 6.40% – 15-year fixed: 6% – 5/1 ARM: 6.51% – 7/1 ARM: 6.48% – 30-year VA: 6.09% – 15-year VA: 5.63% – 5/1 VA: 6.51% Remember, these are the national averages and rounded to the nearest hundredth.
Learn about how mortgage rates are determined Today’s mortgage refinance rates These are today’s mortgage refinance rates for Wednesday, August 12, 2026, according to the latest Zillow data: – 30-year fixed: 6.73% – 20-year fixed: 6.50% – 15-year fixed: 6.10% – 5/1 ARM: 6.49% – 7/1 ARM: 6.36% – 30-year VA: 6.05% – 15-year VA: 5.77% – 5/1 VA: 5.60% Again, the numbers provided are national averages rounded to the nearest hundredth. Mortgage refinance rates are often higher than rates when you buy a house, although that’s not always the case. Use our mortgage calculator Use the mortgage calculator below to see how various interest rates and loan amounts will affect your monthly payments.