Mortgage and refinance interest rates today, Monday, August 31, 2026: Purchase rates currently higher than refinance rates

Mortgage rates in the United States, as of Monday, August 31, 2026, show purchase rates are currently higher than refinance rates. The 30-year fixed purchase rate stands at 6.55%, which is 4 basis points higher than the refinance rate. The 15-year fixed purchase rate is 5.91%, 2 basis points above the 15-year refinance rate. The 5/1 ARM purchase rate is 6.26%, 7 basis points higher than the 5/1 refinance rate.