Terms & limitations
Last updated: October 30, 2026.
Historic Mortgage Rates is owned and operated by Lofink Labs LLC. It provides historical information and educational calculations. It is not a lender, broker, financial adviser, or source of personalized mortgage offers. Rates shown are historical survey observations, not guaranteed available terms.
Estimates are not advice
Payment calculations are illustrations based on the inputs and assumptions shown. Principal-and-interest estimates exclude taxes, insurance, PMI, points, and fees unless a tool explicitly states otherwise. Verify the figures and seek advice appropriate to your circumstances before making a financial decision. Using this website does not establish an adviser-client relationship.
Data and availability
Source observations are provided as is, may be revised, and may be incomplete or delayed. This site uses a dated data snapshot rather than a live rate feed. We do not guarantee future availability, accuracy for a particular purpose, or that a historical rate will return. See the methodology page for dates, sources, assumptions, and known limitations.
Source rights
Third-party data remain subject to their source terms. The site does not grant you ownership of or a license to resell source data. Source names identify the data providers and do not imply their endorsement of this project. Historic Mortgage Rates is not affiliated with Freddie Mac or the U.S. Bureau of Labor Statistics.
Saved information and sharing
Saved scenarios and preferences remain in your browser. Shared links and exported files may include your inputs, so review them before sharing. See our Privacy Policy for browser storage, hosting, advertising, and privacy choices.
Advertising and external links
The website includes Google AdSense code and may display advertising. Ads and links to other websites are separate from our educational content. An advertisement is not a recommendation or endorsement of a lender, financial product, or service. External sites have their own terms and privacy practices.
Contact
For questions, accessibility concerns, or corrections, contact Lofink Labs LLC. No paid service, mortgage application, or financial transaction is offered through these tools.