{"nationalAverage30yr":7.28,"nationalAverage15yr":6.6,"asOf":"2026-10-01","retrievedAt":"2026-10-07T01:47:25.039Z","freshness":{"state":"verified","maxObservationAgeDays":14},"source":"Federal Reserve Economic Data (FRED) - Freddie Mac PMMS","series":{"conventional30yr":{"seriesId":"MORTGAGE30US","sourceUrl":"https://fred.stlouisfed.org/series/MORTGAGE30US","observationDate":"2026-10-01","retrievedAt":"2026-10-07T01:47:25.039Z","units":"Percent","productDefinition":"Freddie Mac PMMS U.S. weekly average for 30-year fixed-rate mortgages"},"conventional15yr":{"seriesId":"MORTGAGE15US","sourceUrl":"https://fred.stlouisfed.org/series/MORTGAGE15US","observationDate":"2026-10-01","retrievedAt":"2026-10-07T01:47:25.039Z","units":"Percent","productDefinition":"Freddie Mac PMMS U.S. weekly average for 15-year fixed-rate mortgages"}},"rateEnvironment":"rising","guidance":"Current national average rates are 7.28% as of 2026-10-01. Individual rates vary based on credit score, loan type, down payment, and property. Contact Sonic Loans to discuss available mortgage options for your situation.","getQuoteUrl":"https://sonicloans.com/purchase","phone":"(313) 488-4888","disclaimer":"These are national averages, not personalized quotes. Your rate may be significantly different. Contact Sonic Loans for an accurate quote."}