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The average 30-year fixed rate today, Wednesday, October 7, 2026, is 7.34%, down 6 basis points since yesterday. The 15-year fixed loan is currently 6.65%, 7 basis points lower than yesterday. The 5/1 ARM is 7%, down 29 basis points from Tuesday.
Explore current mortgage rates and what they mean for home buyers.
By staying on top of home equity loan and HELOC interest rates, you’ll recognize when it’s a good time to apply for these comparatively cheap borrowing options.