These are today's mortgage and refinance rates. Rates are holding steady, so small ticks up or down shouldn't have a significant impact. Lock in your rate today.

Today, the mortgage interest rate on a 30-year fixed mortgage is 6.98%, according to the Mortgage Research Center, while the average rate on a 15-year mortgage is 6.05%. On a 30-year jumbo mortgage, the average rate is 7.

According to the latest data from Freddie Mac’s Primary Mortgage Market Survey, the average 15-year fixed mortgage rate is currently around 6.00%. That’s nearly a full percentage point lower than the average 30-year fixed mortgage rate, which is sitting in the upper 6.00% range.

These are today's mortgage and refinance rates. Mortgage rates have held steady so far this month, and it's unclear if they'll drop much this year.

Refi rates have ticked down, lowering the 30-year rate average after two days of inching up. Rates for several other refi loan types also dropped Monday.