History Of Mortgage Interest Rates Fha Loans Interest Rates Daily News Mortgage Rates US long-term mortgage rates fall; 30-year average at 3.82% – WASHINGTON – U.S. long-term mortgage rates fell for the sixth consecutive week, with the key 30-year loan average running below 4% and at its lowest point since September 2017. The declining rates.fixed rate mortgage – A loan with a constant interest rate that does not change throughout the duration of the loan. Adjustable Rate Mortgage – A loan with a floating interest rate, determined by a set of indices. FHA Loan – A loan guaranteed by the Federal Housing Authority.