Mortgage and refinance interest rates today, February 15, 2026: This is the sub-6% 30-year fixed rate to beat

Today's mortgage rates are the lowest seen in years. While Freddie Mac reports the current 30-year fixed home loan rate at 6.09%, the Zillow lender marketplace is reporting an average rate of 5.85%. Is it a good time to buy a house or refinance your mortgage? Consider current rates and what you can afford and then shop multiple lenders. You'll see just how much rates can vary. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.85% 20-year ...