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Today's mortgage and refinance rates: May 9, 2021 | Rates dip Almost all mortgage and refinance rates have decreased since last Sunday, and since this time last month. It's a good day to lock in a low mortgage rate. You'll probably want a fixed-rate mortgage rather than an adjustable-rate mortgage, though. Fixed mortgage rates are lower than adjustable rates right now. An adjustable rate also increases or decreases after a certain amount of time. Because rates are at all-time lows right now, it's very likely the rate would go up. It's a safer bet to lock in a low rate while you can.
The Federal Reserve is keeping the federal funds rate low, so mortgage rates should stay low for at least a few more months.