What changed
Since our previous update on September 27, the 30-year fixed went from 6.990% (7.084% APR) to 7.125% (7.192% APR): the rate is up 0.135 and the APR up 0.108. Discount points went from 0.543 to 0.288.
Rate update
Mortgage rates for September 28, 2026
Rates this day
Priced September 28, 2026 at 10:45 AM EDT
- 30-year fixed7.125%Rate7.192%APR0.288Points
- 15-year fixed6.500%Rate6.582%APR0.144Points
- FHA 30-year fixed6.625%Rate7.490%APR0.414Points
Based on a $500,000 purchase with 20% down ($400,000 loan amount), credit score over 780, 30-day rate lock, primary residence, single family dwelling. Each rate shown is bought down with discount points paid at closing — one point is 1% of the loan amount. The points change daily with the market, and the APR beside each rate already includes them.
Get your custom quoteRates are subject to change without notice and are available only in North Carolina. This is not a guarantee of credit or an offer to lend. Your rate depends on your credit, the property and the loan you choose. Triangle Mortgage LLC, NMLS #1725415.
Today’s par pricing for the advertised scenario, quoted at 10:45 AM Eastern.
Each rate above is bought down with discount points paid at closing, and the points are shown beside it. The APR carries that cost, which is what makes two lenders’ offers comparable — a rate quoted without its APR tells you very little on its own.
Your own rate depends on the price, your down payment, the property, how you’ll occupy it and your credit. Run your actual numbers through the calculator to see where you land.