30‑year fixed mortgage

first‑time homebuyer rate lock

Grab 5 Homebuyer Hacks for Mortgage Rates

6.30% is the current average 30-year fixed mortgage rate as of April 30, 2026, and it signals that rates are still moving. In my experience, that small shift can mean thousands of dollars over the life of a loan, especially for first-time buyers who are sensitive to monthly cash