Mortgage Rates Today: Interest Rates Move Lower on July 11, 2026

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This weekend, mortgage rates moved slightly lower, giving buyers and homeowners a small reprieve after weeks of fluctuating borrowing costs. While the changes were modest, even a small drop can improve affordability and reduce monthly payments for those looking to buy or refinance. On Saturday, July 11, the national average 30-year fixed mortgage fell to 6.44%, while the 15-year fixed dropped to 5.82%. Adjustable-rate mortgages also saw modest declines, including a 5/1 ARM at 6.43%. For a home priced around $425,000 with a 20% down payment, that translates to an estimated monthly housing cost