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Where rates sit (as of June 25, 2026)
The national benchmark from Freddie Mac’s weekly survey:
- ✓30-year fixed averaged ~6.49% and the 15-year fixed ~5.84% (week ending June 25, 2026) - the 30-year is down about 0.28 points year over year.
- ✓That headline number is just the average - your actual rate depends on credit, down payment, and points.
What moves your rate
Three big levers:
- ✓Credit score: 30-year rates ran ~6.6-6.7% for 760+ FICO vs ~7.2-7.3% for 620-639 - about a 0.7-point spread (Experian / Curinos, June 2026).
- ✓Points: one discount point = 1% of the loan and lowers the rate by up to ~0.25 points - worth it only if you hold the loan long enough to break even.
- ✓APR vs rate (CFPB): the rate is the borrowing cost; the APR includes fees - compare APR across lenders, not just the rate.
How to shop (this is where you save)
Shopping a mortgage is the highest-paid hour of your home purchase:
- ✓Get 3-5 quotes - FICO counts multiple mortgage inquiries within a 14-45 day window as ONE, so shopping does not tank your score.
- ✓Lock your rate once you are under contract (CFPB: typically 30 / 45 / 60 days).
- ✓Compare DFW credit unions + local lenders against the big banks - the best APR wins.
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Full Guide Contents
Continue Reading - Basic Plan
The full guide adds a rate-by-credit-tier table, a points break-even calculator, and a DFW lender shortlist. Rates as of June 2026; sources: Freddie Mac PMMS, CFPB, Experian/Curinos, myFICO.
Click anywhere on this card to unlock with a Basic Plan - plus property search, market analysis, and 55+ DFW insights.