English Title:
Mortgage and refinance interest rates today, Wednesday, October 14, 2026: Mortgage rates mixed as gas prices remain elevated

中文标题：
今天,2026年10月14日星期三,抵押贷款和再融资利率:抵押贷款利率因气价上涨而混合

English Content:
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. According to the Zillow lender marketplace, mortgage rates are mixed heading into Wednesday as gas prices hit a record high. The average 30-year fixed rate today, Wednesday, October 14, 2026, is 7.28%, down 4 basis points since yesterday. The 15-year fixed loan is currently 6.64%, 5 basis points higher than yesterday. The 5/1 ARM is 7.37%, up 7 basis points from Tuesday. Read more: Weekly survey of mortgage lenders with the lowest rates: A small turn lower Today's mortgage rates Here are the current mortgage rates for Wednesday, October 14, 2026, according to the latest Zillow data: - 30-year fixed: 7.28% - 20-year fixed: 7.49% - 15-year fixed: 6.64% - 5/1 ARM: 7.37% - 7/1 ARM: 6.95% - 30-year VA: 6.92% - 15-year VA: 6.59% - 5/1 VA: 6.38% Remember, these are the national averages and rounded to the nearest hundredth. Today's mortgage refinance rates These are today's mortgage refinance rates for Wednesday, October 14, 2026, according to the latest Zillow data: - 30-year fixed: 7.40% - 20-year fixed: 7.15% - 15-year fixed: 6.72% - 5/1 ARM: 7.51% - 7/1 ARM: 7.12% - 30-year VA: 6.85% - 15-year VA: 6.10% - 5/1 VA: 6.18% Again, the numbers provided are national averages rounded to the nearest hundredth. Mortgage refinance rates are often higher than rates when you buy a house, although that's not always the case. Use our mortgage calculator Use the mortgage calculator below to see how various interest rates and loan amounts will affect your monthly payments. It also shows how the term length plays into things. You can bookmark the Yahoo Finance mortgage payment calculator and keep it handy for future use, as you shop for homes and the best lenders. You even have the option to enter costs for private mortgage insurance (PMI) and homeowners' association dues if those apply to you. These details result in a more accurate monthly payment estimate than if you simply calculated your mortgage principal and interest. 30-year fixed mortgage rates There are two main advantages to a 30-year fixed mortgage: Your payments are lower, and your monthly payments are predictable. A 30-year fixed-rate mortgage has relatively low monthly payments because you're spreading your repayment out over a longer period of time than with, say, a 15-year mortgage. Your payments are predictable because, unlike with an adjustable-rate mortgage (ARM), your rate isn't going to change from year to year. Most years, the only things that might affect your monthly payment are any changes to your homeowners insurance or property taxes. The main disadvantage of 30-year fixed mortgage rates is the mortgage interest, both in the short and long term. A 30-year fixed-term loan comes with a higher interest rate than a shorter-term fixed-rate loan. You'll also pay much more in interest over the life of your loan due to both the higher rate and the longer term. 15-year fixed mortgage rates The pros and cons of 15-year fixed mortgage rates are essentially the same as those of 30-year rates. Yes, your monthly payments will remain predictable, and another advantage is that shorter terms come with lower interest rates. Not to mention, you'll pay off your mortgage 15 years sooner. So you could save hundreds of thousands of dollars in interest over the life of your loan. However, because you're paying off the same amount in half the time, your monthly payments will be higher than if you choose a 30-year term. Adjustable mortgage rates Adjustable-rate mortgages lock in your rate for a predetermined period, then adjust it periodically. For example, with a 5/1 ARM, your rate stays the same for the first five years and then goes up or down once per year for the remaining 25 years. The main advantage is that the introductory rate is usually lower than what you'll get with a 30-year fixed rate, so your monthly payments will be lower. Talk to your lender before deciding between a fixed or adjustable rate. With an ARM, you have no idea what mortgage rates will be like once the intro-rate period ends, so you risk your rate increasing later. This could ultimately end up costing more, and your monthly payments are unpredictable from year to year. But if you plan to move before the intro-rate period is over, you could reap the benefits of a low rate without risking a rate increase down the road. Today's mortgage rates: FAQs What is a 30-year mortgage rate right now? The national average 30-year mortgage rate is 7.28% right now, according to data compiled from the Zillow lender marketplace. But keep in mind that averages can vary depending on where you live. For example, mortgage rates vary by state, and if you're buying in a city with a high cost of living, rates could be higher. Are mortgage rates dropping? Some rates are dropping. The average 30-year fixed rate today, Wednesday, October 14, 2026, is 7.28%, down 4 basis points since yesterday. The 15-year fixed loan is currently 6.64%, 5 basis points higher than yesterday. The 5/1 ARM is 7.37%, up 7 basis points from Tuesday. How do I get the lowest refinance rate? In many ways, securing a low mortgage refinance rate is similar to when you bought your home. Try to improve your credit score and lower your debt-to-income ratio (DTI). Refinancing into a shorter term will also land you a lower rate, though your monthly mortgage payments will be higher.

中文正文：
这网页上的一些报价来自支付我们费用的广告商,这可能影响我们写哪些产品,而不是我们的建议。 见我们的广告商披露。 根据Zillow贷款市场,由于天然气价格创下历史新高,抵押贷款率在周三出现混合。 今天,即2026年10月14日星期三,平均30年固定费率为7.28%,比昨天下降了4个基点。 15年固定贷款目前占6.64%,比昨天高5个基点. 5/1ARM为7.37%,比星期二提高7个基点. 更多信息:每周对利率最低的抵押贷款人的调查:小转折降低今天的抵押贷款率 以下是2026年10月14日星期三的目前的按揭率,根据最新的Zillow数据:- 30年固定:7.28% - 20年固定:7.49% - 15年固定:6.64% - 5/1年ARM:7.37% - 7/1年ARM:6.95% - 30年VA:6.92% - 15年VA:6.59% - 5/1年VA:6.38% 记住,这些是全国平均值,四舍五入到最近的百分位数. 今天的抵押贷款再融资率 这些是2026年10月14日星期三的今天的抵押贷款再融资利率,根据最新Zillow的数据: - 30年固定:7.40% - 20年固定:7.15% - 15年 固定值:6.72% - 5/1 亚美尼亚:7.51% - 7/1 亚美尼亚:7.12% - 30年 VA:6.85% - 15年 VA:6.10% - 5/1 VA:6.18% 抵押贷款再融资率往往高于购买房屋时的利率,尽管并非总是如此. 使用我们的按揭计算器 使用下面的按揭计算器 看各种利率和贷款金额会如何影响你的每月付款 它还显示了术语长度如何作用于事物. 你可以订下雅虎金融抵押贷款支付计算器的标记,并保持方便,供将来使用,因为你买房子和最好的贷款人。 私人抵押保险(PMI)和房屋所有者协会的会费费用,如果适用于您,您甚至可以选择入帐。 这些细节使得月付款估计数比仅仅计算你的抵押贷款本金和利息更准确。 30年固定抵押利率 30年固定抵押贷款有两个主要好处: 您的支付率较低, 每月的支付率是可预测的。 30年的固定利率抵押贷款的月付款率相对较低,因为你的还款在较长的时期内分配 比起15年的抵押贷款 你的付款是可预测的,因为与可调整利率的抵押贷款(ARM)不同,你的利率不会逐年变化. 大多数年头,唯一可能影响您每月付款的东西是您房东的保险或财产税的任何变化。 30年固定抵押利率的主要缺点是短期和长期的抵押利息。 30年定期贷款的利率高于短期固定利率贷款。 由于利率较高,期限较长,在贷款的存续期内,也会支付更多的利息. 15年固定抵押利率 15年固定抵押利率的利弊与30年利率基本相同。 是的,你的月度付款仍将是可预测的,另一个好处是,较短的利率将降低。 更别提了,你会提前15年还清抵押贷款 这样你就可以存下数十万的利息 在你的贷款生命中。 然而,由于你一半的时间都在支付相同的金额,你的月薪会比选择30年任期要高. 可调整 可调整利率的抵押贷款在预定期限内锁定,然后定期调整。 例如,如果是5/1ARM,那么在头5年里,您的比率保持不变,然后在剩下的25年里每年上下一次。 主要优点是入门率通常低于30年固定率的所得,因此你的月薪会更低. 在决定固定利率或可调整利率之前与贷款人交谈。 有了ARM,你不知道一旦内测周期结束, 抵押利率会是什么样子的, 所以你冒着以后利率上升的风险。 这最终会导致成本增加,而你们每年的月付款是无法预测的。 但是,如果你计划在内测期结束前移动,你可以从低利率中获益,而不会冒险在路上增加利率. 现今的抵押利率:FAQs 现在30年的抵押贷款利率是多少? 根据Zillow贷款市场收集的数据,目前全国平均30年的抵押贷款率为7.28%。 但记住,平均值会随居住地而变化. 例如,抵押利率因州而异,如果 在一个生活费用高的城市里买东西 收费可能更高 房贷率会下降吗? 一些费率正在下降。 今天,即2026年10月14日星期三,平均30年固定费率为7.28%,比昨天下降了4个基点。 15年固定贷款目前占6.64%,比昨天高5个基点. 5/1ARM为7.37%,比星期二提高7个基点. 我怎么得到最低的再融资率? 在许多方面,确保低抵押贷款再融资率与购买住房时类似。 努力提高信用分数,降低债务与收入之比(DTI). 短期内再融资也会让你得到更低的利率,尽管你的每月抵押贷款付款会更高.