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refinance rates
Trends
- 1Mortgage Rates Hit 7%, Deepening Lock-In Effect▼As Mortgage Rates Hit 7%, the Lock-In Effect Gets Stronger
Mortgage rates in the United States have reached 7%, strengthening the so-called lock-in effect, in which homeowners with cheaper existing loans avoid selling so they do not have to refinance at higher rates. The dynamic is limiting housing supply and keeping home prices elevated, adding to affordability pressures for prospective buyers.
- 2Fixed mortgage rates climb again week over week▼Mortgage and refinance interest rates today, Sunday, September 27, 2026: Fixed mortgage rates moved higher again compared to last week
Fixed mortgage rates moved higher again this week, according to a Sunday, September 27, 2026 rate roundup that also tracks refinance rates. The continued upward drift means prospective homebuyers face larger monthly payments, while homeowners weighing a refinance may find less savings than before. Borrowers are being advised to compare lenders and watch rate trends closely.
- 3Mortgage Rates Rise for Third Straight Day, Squeezing Borrowers▼Today’s Mortgage Rates, Sept. 26: Rates Rise for a Third Straight Day Affecting Borrowers
US mortgage rates climbed for a third consecutive day as of September 26, adding to the financial pressure on homebuyers and those looking to refinance. Borrowers face higher monthly costs as lenders adjust pricing upward, and market watchers are keeping an eye on whether the upward trend will continue into October.