These are today's mortgage and refinance rates. Mortgage rates rose last week and remain elevated as investors watch the progress on the GOP tax bill.

Mortgage rates are up today, but still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.96%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 6.

Early forecasts called for a gradual decline in mortgage rates (potentially reaching 6% by the end of 2025), but concerns over a potential recession and uncertain trade policies h