Mortgage Rate Tracker & Refi

Mortgage Rate Tracker shows where U.S. mortgage rates are today and what they mean for you: the weekly 30-year and 15-year fixed averages, a daily estimate between releases, and an alert when rates reach your number. Then the calculators to act on it: a mortgage calculator for the full monthly payment, a refinance calculator with the real break-even, home affordability, rent vs buy, and paying your mortgage off early.

TODAY'S MORTGAGE RATES
• The national average 30-year and 15-year fixed rates from Freddie Mac's weekly Primary Mortgage Market Survey®
• This week's change, the 52-week range, the records, and the cost per $100,000 borrowed
• A daily estimate between surveys from the 10-year Treasury yield, clearly labeled: a guide, not a quote
• Coming up: the next survey and the next Fed rate decision
• Share this week's rates as an image
• Charts for 3 months and 1 year, or 5 years, 10 years and every week since 1971 with Pro
• A resizable home screen widget with this week's rates

MORTGAGE RATE ALERTS
• A notification when the 30-year or 15-year average drops below, or rises above, your number
• When the rate was last at your target, on five years of history
• An optional weekly update when new rates come out
• Pro: alerts on big daily moves in the 10-year Treasury, which mortgage rates follow
• No account and no email: alerts are checked on your phone

BUYING A HOME
• How much house can you afford: your income, other debts and down payment at three comfort levels, with your debt-to-income ratios
• Mortgage payment calculator: principal and interest, property tax, insurance, PMI and HOA, the cash to close, and when PMI drops off
• Compare 30, 20, 15 and 10-year terms side by side
• Save the homes you're weighing and compare them in columns with Pro
• Rent vs buy: what you'd have after the years you'd stay, which stays favor buying, and the rent at which they tie

REFINANCE CALCULATOR
• The new payment, the monthly savings and the true break-even, which counts closing costs, points and your loan balance, not just the lower payment
• A plain verdict for how long you'll keep the loan
• The rate an offer needs to pay off, with a one-tap alert
• Compare up to three offers side by side with Pro

YOUR MORTGAGE
• Save it once to see how today's average compares with your rate
• Payoff calculator: extra each month, every two weeks or a lump sum, with the time and interest you'd save
• An amortization schedule by year, or by month with CSV export in Pro
• Share any result as a short summary, with a partner or a lender

PRIVATE BY DESIGN
• No sign-up. Everything you enter stays on your phone
• Works offline with the latest rates it has

MORTGAGE RATE TRACKER PRO
An optional upgrade that removes ads and adds unlimited alerts with big daily moves, the full rate history, side-by-side offers and homes, and the monthly schedule with export. Choose a monthly or yearly subscription (the yearly plan starts with a free week for new subscribers where offered) or a one-time lifetime purchase. Subscriptions renew automatically until canceled in your Google Play subscriptions. Not ready to upgrade? Watch one short ad to open the history, comparison and schedule tools for 24 hours.

ABOUT THE DATA
Weekly averages come from the Freddie Mac Primary Mortgage Market Survey and Treasury yields from the U.S. Department of the Treasury, both public. Mortgage Rate Tracker is not affiliated with or endorsed by Freddie Mac, the Federal Reserve or any government agency. The survey averages describe conventional loans for borrowers with excellent credit and 20% down; your own rate depends on your credit, down payment, loan type, points and lender.

Mortgage Rate Tracker is an information and calculator app. It is not a lender or broker, does not offer or arrange loans, and is not financial advice.

Recent changes:
First release: Freddie Mac’s weekly 30- and 15-year averages the day they’re published, a daily signal from the 10-year Treasury, a refinance calculator with a true break-even, payment and affordability calculators, rate alerts and home-screen widgets. In English and Spanish.