Today's Mortgage Rates for July 13, 2026
Conventional 30 Yr.
6.000 %
APR 6.106
Conventional 15 Yr.
5.375 %
APR 5.524
FHA 30 Yr.
5.490 %
APR 5.590
VA 30 Yr. Fixed
5.625 %
APR 5.729
Rates as of July 13, 2026
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Why Check Rates With Freedomstar Financial?
Hundreds of lenders publish teaser rates online. We publish real rates backed by a real team of local loan officers who will pick up the phone.
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What Determines Your Mortgage Rate?
While today's published rates reflect average market conditions, your actual rate is personal. Lenders look at the full picture of your financial health to determine the rate you qualify for.
Credit Score
Higher scores unlock lower rates. A score above 740 typically qualifies you for the best conventional pricing.
Down Payment / LTV
The more equity or down payment you bring, the less risk the lender takes — and the lower your rate can go.
Loan Term
15-year loans carry lower rates than 30-year loans because the lender is repaid sooner, reducing long-term risk.
Loan Type
VA loans offer the lowest rates, followed by conventional, then FHA — each program has different pricing tiers.
Debt-to-Income Ratio
Lenders prefer a DTI below 43%. A lower DTI shows you can comfortably manage the new mortgage payment.
Market Conditions
Mortgage rates track the 10-year Treasury yield and MBS markets. When bond yields rise, mortgage rates tend to follow.
Frequently Asked Questions About Mortgage Rates
Real questions from real homebuyers and homeowners — answered by our local loan officers.
How often are today's mortgage rates updated?
Our displayed rates reflect current market conditions and are updated daily before markets open. Because mortgage rates can shift intraday based on bond market activity, we encourage you to call or submit a quote request to lock in the most current rate available to you.
What is the difference between interest rate and APR?
The interest rate is the base cost of borrowing the principal loan amount. The Annual Percentage Rate (APR) includes the interest rate plus other loan costs such as lender fees, mortgage insurance, and certain closing costs — making APR a more complete picture of your total loan cost over a year.
What credit score do I need to get the best mortgage rate?
Generally, a credit score of 740 or higher qualifies you for the most competitive conventional mortgage rates. FHA loans are available with scores as low as 580, and VA loans have no official minimum score requirement. Our loan officers can review your full profile to find the best program for your situation.
Are VA loan rates really lower than conventional rates?
Yes, VA loan rates are typically 0.25%–0.50% lower than comparable conventional rates because the U.S. Department of Veterans Affairs guarantees a portion of the loan, reducing lender risk. Eligible veterans, active-duty service members, and surviving spouses can take advantage of this benefit.
How do I lock in today's mortgage rate?
A rate lock secures your quoted interest rate for a set period — typically 30 to 60 days — while your loan is being processed. To lock a rate, simply request a quote from one of our local loan officers. We can initiate the lock once you have an accepted purchase agreement or refinance application on file.
What factors affect my personal mortgage rate?
Your individual rate depends on credit score, loan-to-value ratio (down payment size), loan type (conventional, FHA, VA), loan term, property type, and current market conditions. Lenders also consider debt-to-income ratio and occupancy type. Our loan officers walk through all of these factors with you at no cost.
Rate Assumptions & Disclosures
Rates shown are for informational purposes and are subject to change without notice. Displayed rates assume a 740+ credit score, owner-occupied single-family residence, 20% down payment on a $400,000 purchase price, and 30-day rate lock. Rates may vary based on your specific credit profile, loan amount, property type, occupancy, and state. FHA rates assume 3.5% down and include MIP. VA rates assume zero down payment and assume the borrower has full VA entitlement. APR calculations include lender origination fees and are provided as estimates only. Contact a licensed loan officer at Freedomstar Financial for a personalized rate quote. Freedomstar Financial is an Equal Housing Lender. NMLS #1439059.