{
  "id": 7530759,
  "title": "Mortgage and refinance interest rates today, Tuesday, September 15, 2026: Rates cross the 7% threshold",
  "url": "https://urgent.news/2026/09/15/mortgage-and-refinance-interest-rates-today-tuesday-september-15-2026",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-15T10:00:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-and-refinance-interest-rates-today-tuesday-september-15-2026-rates-cross-the-7-threshold-100000413.html"
  },
  "original_language": "en",
  "account": "On Tuesday, September 15, 2026, mortgage rates in the United States surpassed the 7% threshold, according to average rates from the Zillow lender marketplace. The 30-year fixed rate climbed to 7.02%, while the 15-year fixed rate decreased to 6.32%, and the 5/1 ARM increased to 7.33%. Zillow's latest data reveals these national average mortgage interest rates for Tuesday, September 15, 2026.\n\nRefinance rates, on average, are typically higher than purchase rates. However, a mortgage calculator can demonstrate how different mortgage terms and interest rates impact monthly payments. Factors such as property taxes and homeowners insurance are also considered in the calculations, offering a more comprehensive view of the total monthly payment.\n\nMortgage rates are generally lower for 15-year mortgages compared to 30-year mortgages. Although monthly payments for a 15-year mortgage will be higher due to the shorter loan term, the borrower will ultimately pay less interest over the life of the loan. For instance, a $400,000 mortgage with a 30-year term and a 6.19% interest rate results in a monthly payment of approximately $2,447.28, accumulating $481,021 in interest over the loan period. Conversely, a $400,000 15-year mortgage with a 5.65% interest rate has a monthly payment of around $3,300.26, with only $194,047 in interest paid over the loan term.\n\nRefinancing can be financially advantageous if mortgage rates are lower than when the original loan was taken out. However, adjustable-rate mortgages (ARMs) come with the risk of rate increases after an initial fixed-rate period. Currently, the average 30-year fixed rate is 7.02%, up 11 basis points since the previous day. Forecasts suggest that the 30-year mortgage rate may remain relatively stable, ranging between 6.60% and 6.70% throughout 2026. Fannie Mae predicts a 30-year average rate between 6.70% and 6.80% for the rest of the year, while the Mortgage Bankers Association expects average rates to hover around 6.70% for 2027.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}