Mortgage rates are ticking down slightly as of July 23, 2026—with 30-year fixed loans at 6.514%, 15-year fixed at 5.826%, and 5/1 ARMs at 6.336%. While national averages give a general snapshot, local rates vary, and refinance rates may be higher. Economic conditions, credit scores, down payment size, and debt-to-income ratios all shape your final rate. Experts are watching for future shifts, and now’s the time to shop around—whether you’re buying or refinancing, knowing the numbers can save you thousands.
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