What are today's mortgage interest rates: April 22, 2026?

MoneyWatch: Managing Your Money What are today's mortgage interest rates: April 22, 2026? We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. .chip { background-image: url('/fly/bundles/cbsnewscore/images/chip-bgd/chip-bgd-moneywatch.jpg'); } By Matt Richardson Matt Richardson Sr. Managing Editor, Managing Your Money Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance. Read Full Bio Matt Richardson April 22, 2026 / 9:41 AM EDT / CBS News Add CBS News on Google Homebuyers and owners looking to refinance need to familiarize themselves with the mortgage interest rate climate before getting started. Tony Anderson/Getty Images Less than 1%. Those are the odds of a Federal Reserve interest rate cut when the central bank meets again next week, according to the CME Group's FedWatch tool. That will keep the Federal funds rate frozen for yet another month and leave borrowers looking for rate relief on the sidelines yet again. And that's especially true for homebuyers and owners looking to refinance this spring. While the Fed doesn't directly dictate mortgage interest rates, it remains a big driver behind what lenders offer borrowers.At the same time, mortgage rates did drop noticeably in 2025, and while some of that improvement has been negated in recent weeks amid overseas conflicts and uneven economic reports at home, rates here are still better than they were in April 2025. And better than they were in April 2024, too. So it's important not to dismiss today's rates completely, especially if they can fit your budget and help accomplish your financial goals, even if they're less than ideal. To better decide on your next move, it's important to know where mortgage interest rates stand now, as of April 22, 2026. Below, we'll break down everything that bor...