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This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers. For today, Sunday, September 08, , the current average interest rate for a year fixed mortgage is %, unchanged from a week ago. If you're in the. Your monthly mortgage payment will depend on your home price, down payment, loan term, property taxes, homeowners insurance, and interest rate on the loan. The following tables are updated daily with current mortgage rates for the most common types of home loans. Search for rates by state or compare loan terms. Compare mortgage rates when you buy a home or refinance your loan. Save money by comparing free, customized mortgage rates from NerdWallet.