Looking for current 30 year refinance rates? See what’s driving 30-year fixed refi rates in 2026, how to compare offers, and when a refinance pays off.
Discover the lowest mortgage rates in history, including the record 2.65% fix in 2021, and learn what it would take for rates to ever return to those levels.
Refinance News
Explore mortgage rates history since 1970, from 18% peaks in the 1980s to pandemic-era lows. See how Fed policy, inflation, and crises shaped today’s market.
Mortgage rates by year tell a wild story — from 18% in 1981 to 2.65% in 2020. See the key turning points and where 30-year rates stand today.
Explore mortgage rate trends over the years, from 1981’s 16% peak to record lows in 2020 and today’s 7% reality, and see what history suggests for your next mortgage decision.
What’s driving mortgage rates and housing market trends in 2026? From inventory shifts to refinance demand, here’s a grounded look at what matters for buyers and homeowners.
Mortgage rates vs federal funds rate: they’re linked but not the same. Learn how Fed policy influences your loan rate and where it really comes from.
How the economy affects mortgage rates: inflation, jobs, Fed policy, and the bond market — and what it means for your next home loan.