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Rate Watch
Today's Mortgage Rates
Our actual pricing, updated every business day — shown next to the national average so you can see exactly where you stand.
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Estimates only, for comparison purposes. Mortgage insurance figures are approximations — actual MI pricing varies by insurer and full credit profile. FHA figures include the 1.75% upfront MIP financed into the loan; VA figures include the funding fee financed unless exempt. Property tax and insurance are editable estimates. Not a loan estimate, quote, or commitment to lend.
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Market note · Jul 31, 2026
What's moving rates
Rates are sitting just below their highest level in about a year. The pressure is coming from a weaker bond market — pushed up this week by a firm read on employment costs, a jump in oil prices, and currency intervention out of Japan that added selling across global bonds. Until inflation data cools convincingly, day-to-day moves are likely to stay choppy.
Market context compiled from Mortgage News Daily · updated each business day.
Have a question?
David Bronson
Broker-Owner · People's Choice Mortgage Group
Let's talk about where your rate could actually land today.
530.933.6825