Mortgage Rates Today March 14, 2026: Latest Update
Introduction
Mortgage rates today March 14 2026 show a slight increase as geopolitical tensions and inflation concerns continue to influence global markets. Instead of declining during uncertainty, mortgage rates have moved higher because rising oil prices linked to Middle East conflicts are pushing bond yields upward.
According to Zillow data, the 30-year fixed mortgage rate currently averages 6.08%, while the 15-year fixed rate has increased to 5.62%. These numbers reflect a small increase compared with the previous week but remain lower than the highs seen in early 2025.
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Mortgage Rates Today March 14 2026
Here are the latest national average mortgage rates:
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30-year fixed: 6.08%
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20-year fixed: 6.06%
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15-year fixed: 5.62%
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5/1 ARM: 6.05%
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7/1 ARM: 6.03%
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30-year VA: 5.67%
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15-year VA: 5.32%
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5/1 VA: 5.24%
These averages vary by lender, borrower qualifications, and location, so comparing lenders is important when searching for the best mortgage deal.
Mortgage Refinance Rates Today
Refinance rates remain slightly higher in many cases. Current averages include:
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30-year refinance: 6.24%
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20-year refinance: 6.17%
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15-year refinance: 5.79%
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5/1 ARM refinance: 6.02%
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7/1 ARM refinance: 6.02%
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30-year VA refinance: 5.70%
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15-year VA refinance: 5.46%
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5/1 VA refinance: 5.04%
Homeowners considering refinancing can potentially lower their monthly payments, shorten loan terms, or access home equity depending on their financial goals.
What Higher Mortgage Rates Mean for Buyers
Even though mortgage rates today March 14 2026 have increased slightly, the housing market is more stable compared with the pandemic-era surge in prices. Mortgage rates have gradually declined from the peak above 7% seen in early 2025.
Housing forecasts suggest the 30-year mortgage rate may stay close to around 6% throughout 2026, offering relatively predictable borrowing costs.
For buyers and real estate investors looking to secure financing quickly, visiting Kala Lending LLC can help streamline the application process and explore multiple mortgage solutions tailored to different borrower needs.