What are today's mortgage interest rates: April 2, 2026?
Mortgage interest rates have changed significantly in recent weeks. Here's what they are as of April 2, 2026.
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
Monitoring the mortgage interest rate climate for affordable opportunities is an integral part of the homebuying and refinancing processes. And in the first two months of 2026, movement here for borrowers was positive, largely driven by a series of Federal Reserve interest rate cuts in the final months of 2025. At one point in February, the average rate on a 30-year mortgage was comfortably under 6%, around its lowest level since 2022. There were multiple ways, in fact, in which borrowers could lock in rates under 6% earlier this year.
But rates here surged in March thanks to a combination of discouraging inflation and unemployment reports and pronounced geopolitical tensions and overseas conflicts. By the end of the month, mortgage rates were averaging around half a percentage point above where they were in February, and that happened with the Federal Reserve keeping interest rates frozen in the month, the second time they've done so this year.
This April, however, there is the potential for rates here to change again , perhaps in a more affordable direction should market conditions improve. And rates are still more affordable than they were in early April 2025 and early April 2024, too. So you may still be able to justify an action now. To better determine your next steps, it helps to first know where mortgage rates stand currently, as of April 2, 2026.
See how low your current mortgage rate offers are here .
What are today's mortgage interest rates?