Rates move constantly, and your credit determines which tier you land in. These are current national averages and the 30-year conforming rate by FICO® band.Updated 2026-06-18.
The higher your score, the lower your tier's rate — and the more home the same payment buys.
See what a given rate means for your payment in the mortgage calculator.
The whole journey, start to keys — what to do, in what order, and what it really costs.
What actually moves your score, how it maps to your mortgage rate, and a realistic timeline to improve it.
Estimate a real monthly payment using live rates, adjusted for your credit tier.
