The average APR for a 30-year fixed refinance loan stands at 7.00%, higher than last week’s 6.85%, according to the Mortgage Research Center. For a 15-year fixed refinance, the average APR is up 0.19 ...

A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons. NerdWallet’s rates are expressed as an annual ...

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. As of Q2 2026, Americans have $1.26 trillion in credit card debt, according to the Federal Reserve Bank of ...

Amber Barkley is a writer and editor with over 10 years of experience in topics ranging from personal finance to marketing analytics to fiction. She found her niche in personal finance in 2022, when ...