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Published: Jan 30, 2021 7 min read
Money; Getty Images

Interest rates trended down this week as the economic recovery has seemingly stalled. Existing and new home sales were up at the end of 2020, with homebuyer interest remaining at high levels. While overall inventory continued to decline, the supply of newly built homes increased from a summertime low.

Today’s Mortgage Rates: 30-Year Fixed Loans, 15-Year Fixed Loans, and More

Mortgage Rate Chart
Loan type Average Rate
30-Year Fixed Loan 3.053%
15-Year Fixed Loan 2.308%
30-Year FHA Loan 2.93%
30-Year VA Loan 2.944%
30-Year Jumbo Loan 3.551%
Source: Money | Date: Jan. 28, 2021 | Rates assume a credit score of 700

The average rate on a 30-year fixed-rate mortgage was 3.053% on Thursday — up from 3.029% Wednesday.

Money's daily mortgage rates show the average rate offered by over 8,000 lenders across the United States the previous business day. The rates reflect what a typical borrower with a 700 credit score might expect to pay for a home loan right now. These rates were offered to people putting 20% down and include discount points.

Rates are subject to change. All information provided here is accurate as of the publish date.