Home Refinance Rates Today

Current mortgage rates

What are today's mortgage interest rates: May 21, 2026?

There was cautious optimism in the early days of 2026 that the interest rate cuts that marked the final months of 2025 would continue into the new year.

Money on MSN · 14h

Current mortgage rates: May 18 to May 22, 2026

· 18h · on MSN

High mortgage rates aren’t going away. How buyers are making it work

· 13h

Average US long-term mortgage rate climbs to 6.51%, highest level in nearly nine months

The average long-term U.S. mortgage rate climbed this week to its highest level in nearly nine months, driving up borrowing costs for homebuyers during what’s traditionally the housing market’s busies...

· 6h

Mortgage rates jump as inflation fears, Iran war weigh

· 12h

Mortgage rates climb to highest level in 9 months

20h

Today’s HELOC & Home Equity Loan Rates: May 21, 2026

A home equity loan is a fixed-rate, lump-sum loan that allows homeowners to borrow up to 85% of their home's value and pay that amount back in monthly installments. A home equity line of credit is a variable-rate second mortgage that draws on your home's value as a revolving line of credit.

17h

Will a HELOC affect my ability to refinance later?

Achieve reports that having a HELOC won't prevent refinancing your mortgage, but may require subordination agreement and meeting additional lender criteria.