What changed
Since our previous update on August 13, the 30-year fixed went from 6.625% (6.638% APR) to 6.500% (6.536% APR): the rate is down 0.125 and the APR down 0.102.
Rate update
Mortgage rates for August 14, 2026
Rates this day
Priced August 14, 2026 at 10:45 AM EDT
- 30-year fixed6.500%Rate6.536%APR
- 15-year fixed5.750%Rate5.813%APR
- FHA 30-year fixed5.990%Rate6.640%APR
Based on a $500,000 purchase with 20% down ($400,000 loan amount), credit score over 780, 30-day rate lock, primary residence, single family dwelling.
Get your custom quoteRates are subject to change without notice and are available only in North Carolina. This is not a guarantee of credit or an offer to lend. Your rate depends on your credit, the property and the loan you choose. Triangle Mortgage LLC, NMLS #1725415.
Today’s par pricing for the advertised scenario, quoted at 10:45 AM Eastern.
These are the options closest to no net cost — where the lender credit roughly offsets our lender fee — rather than a bought-down number that looks better in a headline. Paying discount points buys the rate lower at a cost up front; taking a larger credit moves the rate up and reduces cash at closing. The APR beside each rate carries those costs, which is what makes the two comparable.
Your own rate depends on the price, your down payment, the property, how you’ll occupy it and your credit. Run your actual numbers through the calculator to see where you land.