current purchase mortgage rates are lower than current refinance rates for Monday, August 10, 2026.
According to rates from the Zillow lender marketplace, current purchase mortgage rates are lower than current refinance rates for Monday, August 10, 2026. The current 30-year purchase fixed rate today is 6.51%, 13 basis points lower than the current refinance rate.
The 15-year fixed purchase rate of 6.01% is 2 basis points lower than the 15-year refi rate. The 5/1 ARM purchase rate of 6.37% is 13 basis points lower than the 5/1 refi rate. Today’s mortgage rates Here are the current mortgage rates today, Monday, August 10, 2026, according to the latest Zillow data: – 30-year fixed: 6.51% – 20-year fixed: 6.34% – 15-year fixed: 6.01% – 5/1 ARM: 6.37% – 7/1 ARM: 6.30% – 30-year VA: 6.03% – 15-year VA: 5.70% – 5/1 VA: 5.66% Remember, these are the national averages and are rounded to the nearest hundredth.
Today’s mortgage refinance rates These are today’s mortgage refinance rates, Monday, August 10, 2026, according to the latest Zillow data: – 30-year fixed: 6.64% – 20-year fixed: 6.43% – 15-year fixed: 6.03% – 5/1 ARM: 6.50% – 7/1 ARM: 6.33% – 30-year VA: 6.13% – 15-year VA: 5.69% – 5/1 VA: 5.88% 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. Learn more: See the best mortgage refinance lenders right now Mortgage payment calculator You can use the free Yahoo Finance mortgage calculator below to play around with how different terms and rates will affect your monthly payment.