Current mortgage rates are significantly lower than they were in January 2025. With a thoughtful strategy, you can secure a mortgage interest rate that’s still below the national average. Here are eight tips for getting the lowest mortgage rate possible in the 2026 housing market. Which lenders offer the lowest mortgage rates? Analysis by Yahoo Finance of nearly 5,000 mortgage lenders reporting 2024 loan information under the Home Mortgage Disclosure Act reveals the surprising truth: the lenders offeri ...