30-year fixed: hypothetical example
| Before | 7.500% | |
|---|---|---|
| After | 7.375% | |
| Change | −0.125 |
In this example, the 30-year fixed dips an eighth of a point.
15-year fixed: hypothetical example
| Before | 6.875% | |
|---|---|---|
| After | 6.750% | |
| Change | −0.125 |
In this example, the 15-year fixed moves the same way.
What tends to move rates
- Inflation report
- Jobs data
- Federal Reserve comments
Inflation reports, jobs data and Fed comments often move rates.
On a $320,000 loan, that’s about $27/mo
On a $320,000 loan, that’s about $27 a month.
Example details: $320,000 30-year fixed at 7.500% (7.532% APR): 360 monthly payments of $2,237.49; $320,000 30-year fixed at 7.375% (7.406% APR): 360 monthly payments of $2,210.16. Principal and interest only; taxes and insurance not included, so the actual payment will be higher. Unless noted, APR assumes ZERO Closing Costs, no discount points and 15 days of prepaid interest. Hypothetical example prepared November 4, 2026, not a current CapCenter rate offer; subject to credit approval.
ZERO Closing Costs
The rates we publish come with ZERO Closing Costs (restrictions apply; see Offer details).
