These are today's mortgage and refinance rates. Mortgage rates have been relatively flat this week as investors gear up for another rate cut from the Fed.

The current mortgage rate on a 30-year fixed mortgage fell by 0.03 percentage point in the last week to 7.05%, according to Curinos. Meanwhile, the APR on a 15-year fixed mortgage dropped 0.05 percentage point during the same period to 6.

After sinking most of three weeks and notching a 7-week low, 30-year mortgage rates have ticked up the last two days. Rate movement for other loan types was mixed.