1 of 1
Story summary
- Mortgage rates in the United States declined, with the 30-year at 6.30% and the 15-year at 5.92% as of April 13, 2026.
- The decline followed a rally in bond markets amid changing trade war expectations.
- The average refinance rate for a 30-year mortgage is 6.62%.
- Homeowners are encouraged to shop around because offers vary significantly based on credit scores and down payments.
- Market conditions remain unpredictable.
