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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchMortgage rates did fall briefly, but the latest available weekly data as of October 7, 2026, shows the decline did not last. Freddie Mac’s average 30-year fixed rate climbed to 7.28% on October 1, after six consecutive weekly increases. That is market context—not a rate any individual borrower is guaranteed to receive.
What are mortgage rates today?
The latest Freddie Mac Primary Mortgage Market Survey (PMMS) reading available as of October 7 was published October 1, 2026. It put the average 30-year fixed rate at 7.28%, up from 7.03% the previous week and 6.34% one year earlier. The 15-year fixed average was 6.60%, up from 6.42% a week earlier and 5.55% a year earlier. Freddie Mac’s weekly survey is an average, not a personalized quote.
The Federal Reserve Economic Data (FRED) series lists October 8 as the next release date, so an October 8 rate was not yet available on October 7. FRED’s 30-year series shows the recent sequence:
| PMMS observation date | 30-year fixed average |
|---|---|
| September 3, 2026 | 6.71% |
| September 10, 2026 | 6.76% |
| September 17, 2026 | 6.95% |
| September 24, 2026 | 7.03% |
| October 1, 2026 | 7.28% |
The rates are Freddie Mac weekly averages for the dates shown. The series indicates five consecutive increases across this September-to-October sequence; contemporaneous Associated Press reporting described the October 1 reading as the sixth consecutive weekly increase, following an earlier observation. AP’s October coverage reported that the 30-year average had slipped from 6.69% to 6.67% before the subsequent rise.
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- Loan Amortization and Remaining Balances
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- Future Values
- Date math function
How much relief did the small drop provide?
The 6.69%-to-6.67% move was a decline of just 0.02 percentage points, or two basis points, and AP reported it as the first weekly drop in six weeks. It was a brief reprieve, not the start of a continuing decline: the Freddie Mac 30-year average subsequently rose to 7.28% by October 1.
A small change in a national average does not translate into the same change—or the same payment—for every buyer. The effect on a particular loan depends on the borrower’s offer, loan amount, down payment, term, fees, and other terms. Anyone deciding whether to buy or refinance should compare actual offers and total costs, rather than treat a weekly average as a quote.
Rank #2
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
What does Freddie Mac’s average represent?
PMMS focuses on conventional, conforming, fully amortizing home-purchase loans, assuming 20% down and excellent credit. Freddie Mac’s current methodology uses rates collected from thousands of applications submitted through its Loan Product Advisor platform by lenders across the country. Weekly results average offers collected Thursday through Wednesday. Freddie Mac’s methodology explanation describes the survey and its scope.
This defined profile is not every borrower: a person with a different credit history, down payment, property, loan type, or location may receive a different offer. Lenders also do not always report fees and points under the current data requirements, so Freddie Mac does not publish averages for those costs. Compare personalized Loan Estimates, including points, fees, and other closing costs, as well as the interest rate.
Rank #3
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- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
Why do mortgage rates move?
Mortgage rates respond to several economic forces, including inflation, broader Federal Reserve policy decisions, and bond-market expectations about the economy. They generally track the 10-year Treasury yield, which lenders use as a guide when pricing home loans. That relationship is a broad market pattern, not proof that a specific Fed announcement caused any one week’s change. The Fed does not directly set an individual borrower’s mortgage rate. AP’s explanation of the rate backdrop provides context.
What do mortgage applications and ARM rates indicate?
The Mortgage Bankers Association’s September 30, 2026 weekly survey offered a snapshot of borrowing activity: its seasonally adjusted Market Composite Index, a measure of mortgage application volume, fell 6.0% from the prior week. Adjustable-rate mortgage (ARM) loans accounted for 10.3% of applications, the highest share since October 2025; ARM rates in that survey were about 80 basis points below fixed rates. These are figures from that survey, not a forecast of future rates or a recommendation about which loan to choose. MBA’s September 30 release is the source for the snapshot.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
Should you choose a 15-year, 30-year, or adjustable-rate loan?
The national averages show the rate difference between Freddie Mac’s fixed-rate terms, but do not establish which option is best for an individual borrower. Compare the actual terms you are offered:
- 15-year versus 30-year fixed: Compare the interest rate and scheduled payment against how long you expect to keep the loan and what payment fits your budget.
- Fixed versus adjustable: An ARM’s lower initial rate, if offered, must be weighed against the possibility that payments change after its initial period. The MBA’s reported rate gap is a survey snapshot, not a guaranteed discount for a particular applicant.
- Rate versus total cost: Review points, lender fees, and closing costs alongside the rate. The lowest headline rate may not represent the lowest overall borrowing cost.
- Purchase or refinance timing: Compare personalized offers and total costs for your own situation; the national weekly averages do not calculate a borrower-specific break-even point.
Will mortgage rates go down?
No source available as of October 7 establishes the direction of the next move. Inflation, policy decisions, and bond-market expectations can affect rates, but the October sequence illustrates why a brief weekly dip is not enough to establish a trend. For a decision now, use current personalized offers and compare their full costs rather than relying on a forecast.
Quick Recap
Best Value
- Extra large 12-digit angled display.
- Loan Wizard.
- Automatic Tax Keys.
- Selectable decimal setting.
- Input any three loan variables to compute the fourth.
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