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According to rates from the Zillow lender marketplace, current purchase mortgage rates are lower than refinance rates as of Monday, September 7, 2026.
Today, the 30-year fixed purchase rate is 6.67%, 6 basis points lower than the current refinance rate. The 15-year fixed purchase rate of 6.04% is 7 basis points lower than the 15-year refi rate. The 5/1 ARM purchase rate of 6.64% is 14 basis points higher than the 5/1 refi rate.
Read more: Weekly survey of mortgage lenders with the lowest rates: Minor pricing changes
Here are the current mortgage rates today, Monday, September 7, 2026, according to the latest Zillow data:

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2 months ago

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