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Motley Fool Money's Mortgage Rates Tracking Methodology

Motley Fool Money team tracks price movement every weekday for publicly available mortgage offerings via Bankrate.com based on the following assumptions:

  • Zip code = 19938 (home values here are near the national median)
  • Property value = $355,500 (national median)
  • Percent down = 20%
  • Credit score = 700-719 (the average is 714 as of Q1 2022)
  • Points/fees = 0 points and 0 fees

See below for the loan scenarios tracked:

Purchase Rates Refinance Rates
30 Year Fixed 30 Year Fixed
30 Year Fixed - Jumbo Loans 30 Year Fixed - Jumbo Loans
30 Year Fixed - VA Loans 30 Year Fixed - VA Loans
30 Year Fixed - FHA Loans 30 Year Fixed - FHA Loans
20 Year Fixed 20 Year Fixed
15 Year Fixed 15 Year Fixed
7/1 ARM 7/1 ARM