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Wednesday, September 16, 2026 |
Mortgage Market Update
A quick rate check could save you $50+/month
Rates shifted again this week, and small moves can make a real difference on your payment. Here's what it means for you.
National Mortgage Rates · September 10, 2026 |
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Conventional 30-Year
6.76% 30-day Range: 6.65%–6.76%
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Conventional 15-Year
6.09% 30-day Range: 5.95%–6.09%
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FHA 30-Year
6.72% 30-day Range: 6.46%–6.73%
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VA 30-Year
6.62% 30-day Range: 6.27%–6.62%
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Source: Freddie Mac PMMS & Optimal Blue via FRED |
Check My Rate →
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Rate Watch
What This Week's Rate Movement Means for Your Payment
Mortgage rates move a little almost every week, and small shifts add up to real dollars on your monthly payment. On a typical loan, even a quarter-point change can mean $50 or more a month — money that's better in your pocket. The good news: you don't have to time the market perfectly. What matters most is being ready, with your credit in good shape and your documents handy, so when a window opens we can move quickly. If you bought or refinanced in the last couple of years, it's worth a five-minute check to see whether today's rates could lower your payment. There's no obligation and no cost to run the numbers — just clarity on where you stand.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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1.
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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2.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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3.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the James J Tyrrell III team any time and we'll walk you through your options.
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