The rate on a 30-year fixed refinance decreased to 6.98% today, according to the Mortgage Research Center. Rates averaged 5.96% for a 15-year financed mortgage and 6.85% for a 20-year financed mortgage.

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.

See current 30-year refinance rates and how they've been trending. Find the lowest rates to save on your mortgage, lower your payments, or access home equity.

The rate on a 30-year fixed refinance climbed to 7.05% today, according to the Mortgage Research Center. For 15-year fixed refinance mortgages, the average rate is 6.03%, and for 20-year mortgages, the average is 6.

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.

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.