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    DESERT FINANCIAL mortgage rates

    DESERT FINANCIAL's lowest publicly advertised 30-year fixed rate today is 7.12% APR — the national average is 7.147%. That's about $2,625 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read DESERT FINANCIAL's rates every weekday, starting around 11 a.m. Central.

    We last read DESERT FINANCIAL's rates page on Nov 2, 2026.

    Today's rates from DESERT FINANCIAL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.875%7.12%1.25Nov 2, 2026Visit
    15 Year Fixed6.25%6.613%1.125Nov 2, 2026Visit
    5 Year ARM6%6.743%1.125Nov 2, 2026Visit
    7 Year ARM6.25%6.758%1Nov 2, 2026Visit
    FHA 30 Year Fixed6.49%7.426%0.875Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%7.079%1.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.25%6.468%1.25Nov 2, 2026Visit
    5 Year ARM Jumbo6%6.704%1.125Nov 2, 2026Visit
    7 Year ARM Jumbo6.25%6.719%1Nov 2, 2026Visit
    15 Year Fixed Jumbo Refinance6.25%6.468%1.25Nov 2, 2026Visit
    15 Year Fixed Refinance6.25%6.613%1.125Nov 2, 2026Visit
    30 Year Fixed Jumbo Refinance6.875%7.079%1.25Nov 2, 2026Visit
    30 Year Fixed Refinance6.875%7.12%1.25Nov 2, 2026Visit
    5 Year ARM Jumbo Refinance6%6.704%1.125Nov 2, 2026Visit
    5 Year ARM Refinance6%6.743%1.125Nov 2, 2026Visit
    7 Year ARM Jumbo Refinance6.25%6.719%1Nov 2, 2026Visit
    7 Year ARM Refinance6.25%6.758%1Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance6.49%7.426%0.875Nov 2, 2026Visit
    Visit DESERT FINANCIAL's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join DESERT FINANCIAL

    Membership is open to anyone who lives, works, or worships in any Arizona county except Pima County. Immediate family members of current Desert Financial members are also eligible to join.

    Where DESERT FINANCIAL writes mortgages

    DESERT FINANCIAL publishes mortgage lending in 1 state.

    Arizona

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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