Today's 30-year fixed mortgage rates
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Current mortgage rates
Example rates based on a home in
60629 (Chicago, IL)
Example rates based on a home in
7.000%Interest rate 7.220%APR
These example purchase results are based on a $350,000 loan using a 30-year fixed rate conventional loan for ZIP code 60629 with 2.183 discount points.
Rates as of 1:41 PM ET, November 12th, 2026.
Purchase rates
Refinance rates
How our 30-year home loan works
A Chase 30-year mortgage offers benefits that make homeownership or portfolio growth possible with financing options available on primary, secondary and investment properties.
Fixed interest rate
- Rate stays the same over the life of the loan
- Helps make budgeting easier with a consistent rate and predictable monthly payments
Low down payment for new home purchases
- Down payments as low as 3%
- Can use gift funds to help
Lower monthly payments on home purchases
- Longer loan term means paying less per month
- Can free up cash for other needs
Flexible repayment options
- Accelerated pay-down options available to cut interest over the loan term
- No prepayment penalty on primary or secondary mortgages
Why choose Chase
Rate discount up to 1%
With our Relationship Pricing Program, you may be eligible for a rate discount based on new and existing balances when buying a new home or refinancing. Max rate discounts apply.
Guaranteed on-time closing for new purchases or get $5,000
If you’re buying a new home, you may be eligible for the Chase Closing Guarantee. We promise an on-time closing for eligible products in as soon as three weeks or you’ll get $5,000, if you qualify.
Get up to $5,000 in grants when purchasing a new home
In select areas, the Chase Homebuyer Grant℠ provides up to $5,000 that’s first applied to lower your interest rate, if you qualify.
Explore some of our 30-year mortgage options
Try our calculators
Explore different loans, down payment amounts and more to find which one best meets your needs.
Let us be your guide
Connect with a local Home Lending Advisor to help you every step of the way.
FAQs
A 30-year fixed-rate mortgage has been a popular option for homebuyers since the 1930s. It helps make it easier to budget your housing costs with monthly payments that remain stable over a long period of time. Your monthly payments will be generally lower than loans with shorter terms, such as 15- or 20-year loans.
This article explores the pros and cons of a 30-year fixed-rate loan in more detail.
This type of mortgage is popular because its set interest rate offers long-term stability with predictable monthly payments. There are many types of fixed-rate mortgages such as conventional or government-backed loans, and those with terms ranging from 15 to 30 years.
This article talks more about fixed-rate home loans as you consider what’s right for you.
You’ll find several loan options to consider when you’re buying or refinancing a home, including whether a fixed- or adjustable-rate mortgage is best for you. Quite a few factors can come into play based on your current situation and future plans.
We compare fixed- and adjustable-rate mortgages in this article that can help you decide.
When you’re buying a home, you may be offered the option of choosing between a 15- or 30-year mortgage. It’s important to know the differences as you weigh your decision. Some of the first things to think about include:
- A 15-year mortgage can have higher payments, but it could save you money in interest and help you own your home sooner
- The longer term of the 30-year mortgage could give you more flexibility and buying power
- You can choose to make extra payments on the 30-year mortgage, helping reduce your interest paid over time
You can find out more about the differences between 15- and 30-year home loans in this article as you make your decision.
Learn more about 30-year mortgage loans
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