These are today's mortgage and refinance rates. Mortgage rates are holding steady, but they may inch down in the coming months as the Fed cuts rates.

Experts are weighing in on how low mortgage rates might go, and their predictions might surprise you. Some see rates dropping to the mid-5% range, while others are even more optim

Today’s interest rate for a 15-year fixed-rate mortgage is 5.125%, which is unchanged from Friday. The monthly payment for a $250,000 mortgage with a 15-year term and a fixed interest rate of 5.5% would be $2,042.71. The payment for the same loan with a 6% interest rate would be $2,109.64.