Home loan rates just hit a 2026 high of 6.36%. See today’s rates for 30-yr fixed, FHA, VA, USDA & jumbo loans — plus 5 proven ways to lock a lower rate now.

Refinance rates dropped to 5.67% in February 2026—an 18-month low. Homeowners refinancing from 6.75% save $412 monthly on $400K mortgages. Compare 50+ lenders, calculate break-even points, and discover if refinancing makes sense for your situation.

A $400K mortgage in Kentucky costs $47,000 less than Hawaii over 30 years. Our CFP team analyzed all 50 states. Compare rates + property taxes + total costs. Updated daily with 2026 data.