What Are Rates At

What Are Rates At 📉 What are rates at? Find out. 🏆 20yr Mortgage Veteran 🏠 Real Stories. Real Rates. No BS. 👇 Rates & Loan Apps: NMLS # 274080 | Econ NMLS # 170916

06/23/2026

📊 TONIGHT'S 30 NEW MILLIONAIRES & THE 60-DAY OIL SHIELD IMPROVING RATES — JUNE 23, 2026 📈

Had to bring out the classic John Stockton jersey today because it is officially NBA Draft Day! 🏀 Apologies for showing a little extra shoulder skin in this tank top, but purple and white is mandatory today as 30 first-round selections are about to become instant millionaires tonight with guaranteed contracts.

But while the draft is heating up, Conventional mortgage rates just handed us a nice .125% improvement, dropping back down to 6.000%! 📉 FHA, VA, and USDA are holding perfectly flat.

Here is why the market shifted in our favor today:
1️⃣ 60-Day Oil Window: The U.S. officially rolled back secondary sanctions, guaranteeing Iraqi and Gulf oil is clear for sale and safe passage through the Strait of Hormuz. Wiping out energy panic sent crude oil down to $73 a barrel, pulling yields lower. 🛢️
2️⃣ Tech Sector Bleeding: Big tech and AI stocks are taking a major hit on Wall Street today. As investors flee volatile stocks, they are moving cash straight into the safety of bonds, shielding our mortgage landscape. 📉💼

This relief has opened up a beautiful, strategic window. Whether you're looking to lock in a new home purchase or get moving on a refinance, I'm here to help you win. Reach out, call, text, or drop a DM anytime! 📲

Check out today's numbers: 👇

🕒 TODAY'S RATES & APRs:

FHA: 5.375% (APR 6.207%)

Conventional: 6.000% (APR 6.094%) 📉

VA: 5.375% (APR 5.688%)

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:

30-Year Fixed | $400k Purchase | 760 FICO | Primary Residence

Conventional: 20% down | FHA: 3.5% down | VA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626 📧 Email: [email protected] | 💻 Website: whatareratesat.com

🏠 Equal Housing Opportunity
NMLS #274080 | Econ Mortgages NMLS #1709162

06/22/2026

📊 CEASEFIRE BROKEN? THE 60-DAY GUARANTEE SAVING MORTGAGE RATES — JUNE 22, 2026 📈

Apologies for the rough voice in today's video—summer colds are the absolute worst! 🤒 But we are powering through because the market had a wild 3 days to process over the long weekend.

With the Middle East ceasefire hitting a major speed bump and briefly breaking down over the weekend, I was honestly surprised by how well rates opened up today. FHA and Conventional are up just a minor 1/8 percent from Thursday, while VA and USDA didn't budge a single inch.

Why didn't things get worse? Because emergency talks over the weekend successfully established a 60-day roadmap that practically "guarantees" the Strait of Hormuz stays completely open for oil transit. This morning's news pushed crude oil prices back down below $77 a barrel, completely wiping out the inflation spike we were bracing for.

When you factor everything in, rates only ticking up an eighth is a massive win, and it leaves us with a highly stable window of certainty today. Whether you are looking at a new home purchase or locking in a refinance, I am right here to help you win! Call, text, or drop a DM anytime. 📲

Check out today's numbers below: 👇

🕒 TODAY'S RATES & APRs:

FHA: 5.375% (APR 6.207%) 📈
Conventional: 6.125% (APR 6.255%) 📈
VA: 5.375% (APR 5.688%)
USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:Based on a 30-Year Fixed Rate$400k Purchase Price | 760 FICO ScorePrimary ResidenceConventional: 20% downFHA: 3.5% downVA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing OpportunityNMLS #274080 | Econ Mortgages NMLS #1709162

Happy Fathers day from What Are Rates At to all you dad's out there!
06/21/2026

Happy Fathers day from What Are Rates At to all you dad's out there!

NO rate updates today as the markets are closed in honor of
06/19/2026

NO rate updates today as the markets are closed in honor of

06/18/2026

📊 WILL THE FED HIKES MATTER? THE TUG-OF-WAR FIXING MORTGAGE RATES — JUNE 18, 2026 📈

Did you notice the market re-pricing for the worse late yesterday afternoon? 📉 Here is exactly why things took a temporary turn, yet stabilized right back to flat this morning (with VA ticking up just .125%).

Yesterday, the Federal Reserve wrapped up its high-stakes meeting. The big shocker? 9 out of 18 officials stated we should plan on a rate HIKE before the end of the year due to sticky core inflation.

Normally, that would have sent mortgage rates through the roof today. But that re-pricing got completely cancelled out because oil is flowing smoothly through the Strait of Hormuz right now, keeping inflation pressure down. Tomorrow should be incredibly interesting when and if the official peace deal is signed!

This post-Fed window means we have a brief moment of stability. Whether you are ready to jump on a new purchase or looking to secure a refinance, I am right here to help you get it done! Reach out, call, text, or drop a DM anytime. 📲

Check out today's numbers from image_9ef59e.png below: 👇

🕒 TODAY'S RATES & APRs:

FHA: 5.250% (APR 6.080%)

Conventional: 6.000% (APR 6.094%)

VA: 5.375% (APR 5.688%) 📈

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:

Based on a 30-Year Fixed Rate

$400k Purchase Price | 760 FICO Score

Primary Residence

Conventional: 20% down

FHA: 3.5% down

VA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing Opportunity
NMLS #274080 | Econ Mortgages NMLS #1709162

06/17/2026

📊 MESSI MAKES HISTORY & THE FED FREEZES RATES! (WHAT IT MEANS FOR YOU TODAY) — JUNE 17, 2026 📈

Rates are officially in a strict holding pattern this morning! 🛑 Everything is completely unchanged from yesterday while the financial world waits for the Federal Reserve meetings to wrap up later today.

But first—how awesome was Messi last night?! ⚽️👑 Argentina opened their World Cup run, and at almost 39 years old, Messi dropped a historic hat trick! He’s officially the oldest player to ever score a treble at the World Cup and is now tied for the most tournament goals in soccer history. Unbelievable.

On the mortgage front, inflation is down with the oil flowing smoothly through the Strait of Hormuz right now. However, you should definitely look out for some heavy movement later in the markets after the Fed meetings end this afternoon.

This pre-Fed gridlock means we have a very brief window of total stability. If you want to jump ahead of the afternoon rush and do something before the meetings wrap up, reach out to me right now! If you need anything mortgage-related, you know I'm here for you. Call, text, or drop a DM! 📲

Check out today's flat numbers from below: 👇

🕒 TODAY'S RATES & APRs:

FHA: 5.250% (APR 6.080%)

Conventional: 6.000% (APR 6.094%)

VA: 5.250% (APR 5.561%)

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:Based on a 30-Year Fixed Rate$400k Purchase Price | 760 FICO ScorePrimary ResidenceConventional: 20% downFHA: 3.5% downVA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing OpportunityNMLS #274080 | Econ Mortgages NMLS #1709162

06/16/2026

Keeping it short and sweet today! 🎬 We are seeing a nice little improvement on VA rates this morning, but outside of that, the market is sitting perfectly still.

Honestly, we probably won't see much real movement one way or the other until the Federal Reserve wraps up their big meeting tomorrow, or unless something changes with the ceasefire in the Middle East. With things quiet on the geopolitical front and the Fed holding the market in a wait-and-see pattern, today is a rock-solid, stable day to look at your options.

If you need a mortgage, you already know I'm your guy! Hit me up, call, text, or drop a DM right here with any questions you have. 📲💼

Check out today's official numbers from image_eb2264.png below: 👇

🕒 TODAY'S RATES & APRs:

FHA: 5.250% (APR 6.080%)

Conventional: 6.000% (APR 6.094%)

VA: 5.250% (APR 5.561%) 📉

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:

Based on a 30-Year Fixed Rate

$400k Purchase Price | 760 FICO Score

Primary Residence

Conventional: 20% down

FHA: 3.5% down

VA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing Opportunity
NMLS #274080 | Econ Mortgages NMLS #1709162 | June 16, 2026

06/15/2026

📊 WHAT ARE RATES AT TODAY? — JUNE 15, 2026 📈Honestly, a bit bummed to be back in the office today! 🌲💼 I had the absolute best time camping up at Flaming Gorge with friends I’ve had for years and a bunch of awesome new ones.

But if I have to be back at my desk, this is the kind of market I want to see! Rates pulled off a great rally today. Also, I have to give a massive shoutout and congratulations to the Knicks on taking home the championship this weekend! Combine that with the World Cup officially getting underway, and it’s a massive week for sports fans.

On the financial side, today is an excellent day to look at your options. Middle East ceasefire progress sent oil prices lower, dialing back inflation panic. With the Fed meeting starting tomorrow, the market is sitting perfectly still right now, allowing us to capture some excellent pricing before the next wave of news hits.

FHA and Conventional numbers both showed nice improvements
below! 👇🕒

TODAY'S RATES & APRs:

FHA: 5.250% (APR 6.080%) 📉
Conventional: 6.000% (APR 6.094%) 📉
VA: 5.375% (APR 5.688%)
USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:Based on a 30-Year Fixed Rate$400k Purchase Price | 760 FICO ScorePrimary ResidenceConventional: 20% downFHA: 3.5% downVA / USDA: $0 down

📞 CONNECT WITH ME:

Have any mortgage questions? Hit me up anytime—call, text, or DM me!
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing OpportunityNMLS #274080 | Econ Mortgages NMLS #1709162

06/12/2026

Bringing you today's rate update straight from Flaming Gorge! 🌲🌊 Checking in quick while camping to let you know the market finally fought back today.

We got a big geopolitical shift when President Trump called off the military strike on Iran. Oil prices liked that news immediately, dropping nearly 3% and cooling off those heavy supply-chain inflation fears that were beating us up all week. That break gave the bond market a chance to pull off a nice little rally.

We saw solid rate improvements on FHA and VA, Conventional's APR moved down, and USDA held completely steady.

If you are looking to buy or refinance, I am always reachable. Call, text, or drop me a DM right here! For now, I'm heading back out to enjoy the lake. ⛺️

Here is where the numbers officially landed today:

🕒 TODAY'S RATES & APRs:

FHA: 5.375% (APR 6.207%) 📉

Conventional: 6.125% (APR 6.255%)

VA: 5.375% (APR 5.688%) 📉

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:

Based on a 30-Year Fixed Rate

$400k Purchase Price | 760 FICO Score

Primary Residence

Conventional: 20% down

FHA: 3.5% down

VA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing Opportunity
NMLS #274080 | Econ Mortgages NMLS #1709162 | June 12, 2026

06/11/2026

📊 WHAT ARE RATES AT TODAY? — JUNE 11, 2026 📈
I wish mortgage rates could fight back the way the Knicks did last night coming back from 29 points down, but don’t kill the messenger! 📉🏀

Three bad economic reports in a row are exactly why we are where we are right now. It is all about inflation. We took hits from last Friday’s jobs report, yesterday's retail inflation data, and today's wholesale PPI report. Throw in the geopolitical situation with Iran and energy costs rising because the Strait of Hormuz is closed once again, and it keeps a heavy floor under our numbers. It’s a bit of a rate mound today rather than a massive hill, but the market pressure is real.

FHA ticked up an eighth of a percent today, while Conventional, VA, and USDA held their ground from yesterday.

Here is where our numbers officially landed:

🕒 TODAY'S RATES & APRs:

FHA: 5.625% (APR 6.463%) 🔺

Conventional: 6.125% (APR 6.258%)

VA: 5.500% (APR 5.801%)

USDA: 5.250% (APR 5.815%)

📋 LOAN SCENARIO GUIDELINES:

Based on a 30-Year Fixed Rate

$400k Purchase Price | 760 FICO Score

Primary Residence

Conventional: 20% down

FHA: 3.5% down

VA / USDA: $0 down

📞 CONNECT WITH ME:
📱 Phone: 801-682-5626
📧 Email: [email protected]
💻 Website: whatareratesat.com

🏠 Equal Housing Opportunity
NMLS #274080 | Econ Mortgages NMLS #1709162

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Layton, UT
84041

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