What Are Rates At

What Are Rates At 📉 What are rates at? Find out. 🏆 20yr Mortgage Veteran 🏠 Real Stories. Real Rates. No BS. 👇 Rates & Loan Apps: NMLS # 274080 | Econ NMLS # 170916

09/09/2026

Rates pushed up a bit today—with Conventional and VA both moving up .125%. 📊📈

With no major domestic economic reports dropping until Thursday and Friday's inflation data, the bond market is taking its cues entirely from energy. Oil just broke above $100 a barrel for the first time since July, and that macro pressure is pushing yields and rates right along with it. 🛢️📉

Even with market shifts, you don't have to navigate it alone. I'm here to help with your mortgage needs—so let me! 🚪🔑

Today’s Rate Sheet Benchmarks:

Conventional (30-Yr Fixed): 6.500% (APR 6.634%) | 20% Down 📋

FHA: 5.750% (APR 6.588%) | 3.5% Down 🏠

VA: 5.875% (APR 6.198%) | $0 Down 🎖️

USDA: 5.750% (APR 6.321%) | $0 Down 🌾

(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence)

Direct: 801-682-5626 📞
Email: [email protected] 📧
Check rates anytime: whatareratesat.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 9, 2026

09/08/2026

Welcome back from a great 3-day holiday weekend! ☀️🏈 I hope you enjoyed the weather and some college football.

Despite the long weekend, rates are holding steady with just minor APR tweaks down (.005% on FHA and .001% on Conventional) as investors locked things in. Meanwhile, global energy markets are keeping an eye on oil as it hovers near $100.

Even with rates higher than they used to be, life keeps moving. I had a past client call today who is sitting on a 3.125% rate, but their life has changed and they're ready to move. If you're in that same boat, I'm here to help you too—let's chat! 🚪🔑

Today’s Rate Sheet Benchmarks:

Conventional (30-Yr Fixed): 6.375% (APR 6.507%) | 20% Down 📋

FHA: 5.750% (APR 6.588%) | 3.5% Down 🏠

VA: 5.725% (APR 6.071%) | $0 Down 🎖️

USDA: 5.750% (APR 6.321%) | $0 Down 🌾

(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence)

Direct: 801-682-5626 📞
Email: [email protected] 📧
Check rates anytime: whatareratesat.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 8, 2026

09/04/2026

Even with the August jobs report showing more new jobs than expected—and unemployment staying right where it was—mortgage rates stubbornly refused to budge (with just a tiny .005% uptick on FHA APR). 👷‍♂️🤝

With investors hedging their bets ahead of a 3-day holiday weekend and the markets locking up for three straight days, trading desks effectively flat-lined the market instead of making big moves. If you've been on the fence or want to review your options before next week, I'm here for your mortgage needs—so let me help! 🗓️🏡

No matter what strategy fits your goals—whether it’s a new home purchase, refinancing, a 1st or 2nd mortgage, reverse mortgage, or a construction loan—I'm here to walk you through it. 🚪🔑

Today’s Rate Sheet Benchmarks:

Conventional (30-Yr Fixed): 6.375% (APR 6.508%) | 20% Down 📋

FHA: 5.750% (APR 6.593%) | 3.5% Down 🏠

VA: 5.725% (APR 6.071%) | $0 Down 🎖️

USDA: 5.750% (APR 6.321%) | $0 Down 🌾

(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence)

Direct: 801-682-5626 📞
Email: [email protected] 📧
Check rates anytime: whatareratesat.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 4, 2026

09/03/2026

Rates are holding steady for the 3rd day in a row! 📊📉
With three key economic reports dropping today—showing solid services growth balanced by a minor tick up in jobless claims and a wider trade deficit—there wasn't enough good or bad news to move the needle. 🛢️🤝

Because of that, today might be a great day to lock in your rate ahead of tomorrow's major unemployment report and potential weekend bumps! 🗓️🏡

No matter what strategy fits your goals—whether it’s a new home purchase, refinancing, a 1st or 2nd mortgage, reverse mortgage, or a construction loan—I'm here to walk you through it. 🚪🔑

Today’s Rate Sheet Benchmarks:

Conventional (30-Yr Fixed): 6.375% (APR 6.508%) | 20% Down 📋

FHA: 5.750% (APR 6.588%) | 3.5% Down 🏠

VA: 5.725% (APR 6.071%) | $0 Down 🎖️

USDA: 5.750% (APR 6.321%) | $0 Down 🌾

(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence)

Direct: 801-682-5626 📞
Email: [email protected] 📧
Check rates anytime: whatareratesat.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 3, 2026

09/02/2026

Rates are holding steady today! 📊📉
Even with oil staying down and the applications report showing solid movement, today's data wasn't enough to shake up the bond market, keeping mortgage rates flat right where they were yesterday. 🛢️🤝
With more key economic reports dropping later this week on Thursday and Friday, we could see some shifts soon. If you've been watching the market, I'm here for your mortgage needs and ready to help! 🗓️🏡
No matter what strategy fits your goals—whether it’s a new home purchase, refinancing, a 1st or 2nd mortgage, reverse mortgage, or a construction loan—I'm here to walk you through it. 🚪🔑

Today’s Rate Sheet Benchmarks:

Conventional (30-Yr Fixed): 6.375% (APR 6.508%) | 20% Down 📋

FHA: 5.750% (APR 6.588%) | 3.5% Down 🏠

VA: 5.725% (APR 6.071%) | $0 Down 🎖️

USDA: 5.750% (APR 6.321%) | $0 Down 🌾

(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence)

Direct: 801-682-5626 📞
Email: [email protected] 📧
Check rates anytime: whatareratesat.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 2, 2026

09/01/2026

Rates are holding steady today! 📈📉

Even with wild energy prices keeping everyone on their toes, today’s ISM Manufacturing report came in slightly softer than expected. That cool-down gave the bond markets just enough breathing room to keep mortgage rates flat.

With a huge lineup of economic reports scheduled for the rest of the week, rate volatility is almost guaranteed. If you've been waiting for a stable moment, today might be a great opportunity to take advantage and lock in your rate! ⏱️

No matter what strategy fits your goals—whether it’s a new home purchase, refinancing, a 1st or 2nd mortgage, reverse mortgage, or a construction loan—I'm here to walk you through it.

Today’s Rate Sheet Benchmarks: 📊
🏡 Conventional (30-Yr Fixed): 6.375% (APR 6.508%) | 20% Down
🛡️ FHA: 5.750% (APR 6.588%) | 3.5% Down
🎖️ VA: 5.725% (APR 6.071%) | $0 Down
🌾 USDA: 5.750% (APR 6.321%) | $0 Down
(Based on 30-year fixed, $400k loan amount, 760 FICO, primary residence) 📝

📲 Direct: 801-682-5626
📧 Email: [email protected]
🌐 Check rates anytime: whatareratesat.com

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | September 1, 2026 📅

08/31/2026

USDA, FHA, and Conventional are all up .125% today while VA has stayed steady! 📈 Between missiles flying in the Middle East over the weekend and Federal Reserve officials emphasizing that inflation remains the central bank’s predominant focus—giving housing professionals little reason to expect rate relief just because the market is struggling—rates have ticked up. 📉 With a heavy lineup of economic reports dropping all week long, nobody has any idea what the trend will do next. 🌪️ But I watch them in real time so I can help you lock in the best rate possible at that time. ⏱️

Whether you're looking at a purchase, refinance, 1st or 2nd mortgage, reverse mortgage, or construction loan—reach out by call, text, DM, or even fax! 📞✍️

Today’s Rate Sheet Benchmarks: 📊

Conventional (30-Yr Fixed, 20% down, 760 FICO): 6.375% (APR 6.508%) 🏡

FHA (3.5% down): 5.750% (APR 6.588%) 🛡️

VA ($0 down): 5.725% (APR 6.071%) 🎖️

USDA ($0 down): 5.750% (APR 6.321%) 🌾

(Based on 30-year fixed, $400k, 760 FICO, primary residence) 📝

Phone: 801-682-5626 📱

Email: [email protected] 📧

Website: https://www.econmortgage.com 🌐

Equal Housing Opportunity 🏠 | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | August 31, 2026 📅

08/28/2026

Rates have stayed the exact same since Tuesday! 📉 As I always say, "IF"—the biggest little word in the world—oil doesn't go bonkers over the weekend and the final vibe coming out of the Jackson Hole Symposium goes well, we could see some rate improvement on Monday ahead of next week's heavy economic reports.

Whether you're looking at a purchase, refinance, 1st or 2nd mortgage, reverse mortgage, or construction loan—reach out by call, text, DM, or even fax! 📱💻

Today’s Rate Sheet Benchmarks:
🔹 Conventional (30-Yr Fixed, 20% down, 760 FICO): 6.250% (APR 6.381%)
🔹 FHA (3.5% down): 5.625% (APR 6.465%)
🔹 VA ($0 down): 5.725% (APR 6.071%)
🔹 USDA ($0 down): 5.625% (APR 6.193%)
(Based on 30-year fixed, $400k, 760 FICO, primary residence)

📞 Phone: 801-682-5626
✉️ Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | August 28, 2026

08/27/2026

Rates are still flat and coasting today! 📉 With no major reports on the docket, yesterday's favorable numbers holding strong, and markets waiting on word from the Fed's symposium in Jackson Hole, it's a calm day across the board.

Whether you're looking at a purchase, refinance, 1st or 2nd mortgage, reverse mortgage, or construction loan—reach out by call, text, DM, or even fax! 📱💻

Today’s Rate Sheet Benchmarks:
🔹 Conventional (30-Yr Fixed, 20% down, 760 FICO): 6.250% (APR 6.381%)
🔹 FHA (3.5% down): 5.625% (APR 6.465%)
🔹 VA ($0 down): 5.725% (APR 6.071%)
🔹 USDA ($0 down): 5.625% (APR 6.193%)
(Based on 30-year fixed, $400k, 760 FICO, primary residence)

📞 Phone: 801-682-5626
✉️ Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | August 27, 2026

08/26/2026

Rates are holding steady today with a slight improvement on the APR for USDA! 📉 Thanks to some smart late-market tracking and repricing yesterday, I was able to lock in a fantastic win for a first-time homebuyer with 20% down and a 796 mid FICO—securing a rate of 6.00% (APR 6.157%) instead of the floating 6.250%, saving them about $60 a month on their payment! 🏠

With today’s economic reports coming in right as expected and stable oil keeping the bond market calm, it's a great reminder of how closely I watch the markets to help my clients time it right. Whether you're looking at a purchase, refinance, 1st or 2nd mortgage, reverse mortgage, or construction loan—reach out by call, text, DM, or even fax! 📱💻

Today’s Rate Sheet Benchmarks:
🔹 Conventional (30-Yr Fixed, 20% down, 760 FICO): 6.250% (APR 6.381%)
🔹 FHA (3.5% down): 5.625% (APR 6.465%)
🔹 VA ($0 down): 5.725% (APR 6.071%)
🔹 USDA ($0 down): 5.625% (APR 6.193%)
(Based on 30-year fixed, $400k, 760 FICO, primary residence)

📞 Phone: 801-682-5626
✉️ Email: [email protected]
🌐 Website: whatareratesat.com

Equal Housing Opportunity | NMLS # 274080 | Econ Mortgage NMLS # 1709162 | August 26, 2026

Address

595 S Main Street #18
Layton, UT
84041

Opening Hours

Monday 10am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 10am - 3pm

Website

Alerts

Be the first to know and let us send you an email when What Are Rates At posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category