Compare current adjustable-rate mortgage (ARM) rates to find the best rate for you. Lock in your rate today and see how much you can save. Current ARM Rates [myfi_generic_widget ad_id="dbd0452e-2249-4113-8832-02a13c567d34" campaign="forbes-mtgrefi-elftest"] What Is an Adjustable-Rate Mortgage?

As of July 11, 2025, mortgage rates remain mixed, with the 30-year fixed at 6.625% and 15-year rates at 5.75%.

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances, $806,500 or less, decreased to 6.77% from 6.79%, with points holding steady at 0.62, including the origination fee, for loans with a 20% down payment. That was the lowest level in three months.

The average rate on 30-year fixed home loans decreased to 6.67% for the week ending July 3, down from 6.77% last week.

After a few weeks of dips, mortgage refi rates are back on the incline this week. Here's where experts say rates will go next.