Let’s cut to the chase. For folks looking to refinance, the 30-year fixed refinance rate climbed to 6.23% – that’s a noticeable hike. And it’s not just the 30-year. Nearly every loan type got more expensive overnight.
So, what’s going on? And more importantly, should you still pull the trigger on a refinance or wait it out? We’ll break it all down in plain English.
Today’s Mortgage Rates (For Home Buyers):Mortgage Refinance Rates
Before we dive into refinance numbers, here’s where purchase rates stand on Wednesday, May 13, 2026, according to Zillow data. Remember, these are national averages:
Loan Type
Interest Rate
30-year fixed
6.26%
20-year fixed
6.22%
15-year fixed
5.76%
5/1 ARM
6.47%
7/1 ARM
6.30%
30-year VA
5.65%
15-year VA
5.23%
5/1 VA
5.15%
The biggest movers? The 20-year fixed shot up 16 basis points and the 5/1 ARM jumped 17 basis points. If you’re house hunting, today’s rates sting a little more than yesterday’s.
Today’s Mortgage Refinance Rates (The Real Story):Mortgage Refinance Rates
Now for the main event – refinance rates. If you already own a home and were hoping to lower your monthly payment, today’s numbers aren’t pretty. Here’s the latest from Zillow for May 13, 2026:
Loan Type
Refinance Rate
30-year fixed
6.23%
20-year fixed
6.24%
15-year fixed
5.66%
5/1 ARM
6.12%
7/1 ARM
5.94%
30-year VA
5.60%
15-year VA
5.21%
5/1 VA
5.26%
A few things to notice:
Refinance rates are now higher than purchase rates for many loan types (though not all). That’s unusual – typically, refis cost a bit more, but the gap has widened.
The 20-year fixed refi rate (6.24%) is actually higher than the 30-year refi rate (6.23%). That’s a head-scratcher, but it happens when markets move fast.
VA loans still offer the lowest refi rates, with the 5/1 VA at just 5.15%. If you’re a veteran, that’s your best bet.
Pro tip: These are national averages. Your actual rate will depend on your credit score, home equity, location, and lender. Shop around!
Use This Mortgage Calculator Before You Do Anything:Mortgage Refinance Rates
Mortgage Refinance Rates
Don’t guess your monthly payment – crunch the numbers first. Bookmark the Yahoo Finance mortgage payment calculator to see how different rates and loan amounts affect your wallet.
The calculator lets you factor in:
Private mortgage insurance (PMI) if you put down less than 20%
Homeowners association (HOA) dues if applicable
Property taxes and home insurance
A 300,000loanat6.231,845**. At 5.66% (15-year fixed), that jumps to about **2,475∗∗permonth–butyou’llsaveover100,000 in total interest. Trade-offs, people.
30-Year vs. 15-Year Refinance: Which One Makes Sense Now?
Let’s talk real talk. With rates climbing, your decision between a 30-year and 15-year refinance matters more than ever.
30-Year Fixed Refinance – The Safe Bet
Pros: Lower monthly payments, predictable rate for three decades.
Cons: Higher interest rate (6.23% today) and you’ll pay way more interest over time.
Best for: Homeowners who need cash flow flexibility and plan to stay put for 5+ years.
15-Year Fixed Refinance – The Wealth Builder
Pros: Lower rate (5.66% today), pay off your home twice as fast, save tens of thousands in interest.
Cons: Monthly payments are significantly higher.
Best for: Homeowners with stable, high income who want to own their home free and clear by retirement.
Example: On a 250,000loan,the30−yearrefiat6.231,537/month. The 15-year at 5.66% costs ~2,062/month.Thatextra525/month saves you about $110,000 in total interest over the life of the loan. Not chump change.
Adjustable-Rate Mortgages (ARMs) – A Risky Gamble Right Now?
ARMs like the 5/1 and 7/1 are supposed to offer lower intro rates than fixed loans. But today? That’s flipped. According to Zillow, the 5/1 ARM refinance rate is 6.12% – higher than the 30-year fixed refi rate (6.23%? Wait, no – 6.23% fixed vs 6.12% ARM, actually ARM is slightly lower. Let me correct: 6.12% ARM is lower than 6.23% fixed. So ARMs still have a tiny edge.)
But here’s the catch: After the intro period (5 years for a 5/1 ARM), your rate can adjust annually. With rates trending up, you could get hammered later. Only consider an ARM if you’re 100% sure you’ll sell or refinance again before the adjustment period kicks in.
Frequently Asked Questions (Because We Know You’re Sweating)
What’s the 30-year refinance rate right now?
As of today, May 13, 2026, the national average 30-year refinance rate is 6.23% according to Zillow’s lender marketplace. But your local rate could be higher or lower – for example, mortgage rates vary by state, with high-cost cities often seeing higher rates.
Are mortgage rates dropping?
Not today. Rates are on the rise after a brief dip. Remember, at the end of March, the 30-year fixed touched nearly 6.50%. Then rates dropped almost half a point. But compared to yesterday? Everything’s up. The 20-year fixed jumped 16 basis points – that’s a big one-day move.
How do I get the lowest refinance rate?
Same playbook as when you bought your home:
Boost your credit score – even 20 points can shave 0.25% off your rate.
Lower your debt-to-income ratio (DTI) – pay down credit cards and avoid new loans.
Consider a shorter term – 15-year refi rates are lower than 30-year (5.66% vs 6.23%).
Shop at least three lenders – rates vary wildly.
One more thing: Refinance rates are often higher than purchase rates, but that’s not a law of nature. If you have strong equity (20%+) and excellent credit, you might snag a deal.
The Bottom Line for American Homeowners:Mortgage Refinance Rates
Mortgage Refinance Rates
Look, nobody likes seeing rates jump. Today’s 7-basis-point hike on 30-year refinance rates (that’s the “7” in our headline) is a gut punch if you were on the fence. But don’t panic. Rates are still far below the 7-8% range we saw in late 2023. If you can lock a 30-year refi at 6.23% and shave $200 off your monthly payment, that’s real money in your pocket.
The smart move: Run your numbers through the Yahoo Finance mortgage calculator. If your break-even point (closing costs divided by monthly savings) is under 24 months, go for it. If not, wait for the next dip – but don’t hold your breath. Rates are volatile.
Data source: Zillow lender marketplace, May 13, 2026. National averages rounded to nearest hundredth.
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Spurs vs Palace: Tottenham Take Control After Palace Red Card
Spurs vs Palace
The Spurs vs Palace Premier League clash has delivered an intense start at the Tottenham Hotspur Stadium on Saturday, October 31, 2026. Tottenham Hotspur welcomed Crystal Palace in an important London encounter, with both clubs looking to strengthen their positions in the Premier League standings.
Tottenham entered the match with growing confidence after securing consecutive league victories against Coventry City and Chelsea. Meanwhile, Crystal Palace arrived under pressure following disappointing domestic results and a difficult run of performances.
The biggest talking point came early in the first half when Crystal Palace striker Jean-Philippe Mateta received a red card following a dangerous challenge. Tottenham quickly capitalized on their numerical advantage, with Archie Gray scoring the opening goal.
According to live match updates, Tottenham were leading 1-0 after Gray’s 24th-minute header.
Spurs vs Palace: Archie Gray Delivers a Crucial Goal
Young Tottenham midfielder Archie Gray became one of the early stars of the contest after finding the back of the net.
Mohammed Kudus delivered an excellent corner from the right side, allowing Gray to rise unmarked and direct a header beyond Crystal Palace goalkeeper Dean Henderson.
The goal gave Tottenham a valuable advantage and rewarded their attacking pressure.
Gray’s contribution also highlighted Tottenham’s growing confidence under manager Roberto De Zerbi, who is looking to establish greater consistency following an uneven beginning to the campaign.
Jean-Philippe Mateta Red Card Creates Major Problems for Palace
Spurs vs Palace
One of the most significant moments of Spurs vs Palace occurred when Jean-Philippe Mateta was sent off following a dangerous challenge involving Tottenham defender Micky van de Ven.
Referee Michael Oliver initially showed Mateta a yellow card. However, after reviewing the incident on the VAR monitor, he upgraded the decision to a red card.
The dismissal left Crystal Palace with ten players and created a difficult situation for manager Pierre Sage.
Losing a key attacking player so early in an important Premier League fixture forced Palace to reconsider their tactical approach.
Tottenham’s Recent Form Brings Fresh Confidence
Tottenham entered this fixture with renewed optimism after winning their previous two Premier League matches.
Their 3-1 victory against Coventry City provided an important boost, while the impressive 2-0 win against Chelsea at Stamford Bridge strengthened belief among supporters.
Roberto De Zerbi has been working to improve Tottenham’s attacking organization, midfield movement and defensive structure.
A third consecutive league victory would represent another significant step forward for Spurs.
Crystal Palace Face Growing Pressure
Crystal Palace have experienced a difficult period in the Premier League.
Manager Pierre Sage has faced increasing pressure following disappointing performances, including defeats against Brighton and Newcastle.
The club’s position near the relegation zone has made every league fixture increasingly important.
Although Palace secured a midweek Carabao Cup victory against Fulham, their Premier League performances remain a major concern.
The early red card against Tottenham created another obstacle for a team already searching for consistency.
Spurs vs Palace: Confirmed Starting Lineups
Both managers made important selections ahead of the encounter.
Tottenham Hotspur starting XI:
Kinsky, Robertson, Van Hecke, Tel, Gray, Tonali, M. Fernandes, Solanke, Kudus, Marmoush and Van de Ven.
James Maddison started among Tottenham’s substitutes, while Dominic Solanke came into the starting lineup.
What Could Happen Next in Spurs vs Palace?
With Crystal Palace reduced to ten players, Tottenham have an opportunity to increase their attacking pressure and extend their advantage.
Spurs will need to maintain possession, use the available space and avoid unnecessary defensive mistakes.
Crystal Palace, meanwhile, must remain organized and look for opportunities through counterattacks and set pieces.
The remaining match could be particularly challenging for Palace as Tottenham attempt to turn their early advantage into a comfortable victory.
Final Thoughts: Tottenham Have a Valuable Opportunity
Spurs vs Palace
The Spurs vs Palace encounter has already produced several major talking points, including Mateta’s controversial dismissal and Archie Gray’s important opening goal.
Tottenham have benefited from their numerical advantage and will be encouraged by their improving performances under Roberto De Zerbi.
For Crystal Palace, the early setback represents another difficult challenge during an already frustrating Premier League campaign.
However, football can change quickly, and the final result will depend on how both teams manage the remaining minutes.
Latest match update: Tottenham Hotspur 1-0 Crystal Palace (Archie Gray, 24th minute). This is a live-match update, not a confirmed final score.
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Katie Zacharia: 5 Shocking Setbacks After a Powerful Rise
Katie Zacharia
Katie Zachariahas become a major topic in U.S. political news after a dramatic start to her tenure as White House press secretary. Her appointment brought fresh attention to her political communications career, but questions about her legal credentials and a reported departure from the position have quickly overshadowed her rise.
Who Is Katie Zacharia?
Katie Zacharia is a political communications professional who has worked as a conservative media commentator and communications adviser. Her previous roles include work with Trump Media & Technology Group and the U.S. Department of Homeland Security.
She attended Pepperdine University, earning an undergraduate degree in 2007 and a law degree in 2011, according to the university. Before joining the White House, she also appeared on Fox News and Newsmax, discussing political issues and conservative policy positions.
President Donald Trump announced her appointment on October 9, 2026, selecting her to replace Karoline Leavitt as White House press secretary.
Katie Zacharia’s White House Appointment Draws Attention
Katie Zacharia
Zacharia’s appointment placed her in a highly visible role responsible for communicating the administration’s positions, answering journalists’ questions and presenting the president’s agenda to the public.
Her first briefing took place on October 13. The appearance lasted approximately 14 minutes and included a brief opening statement and questions from a limited number of media outlets.
While Trump publicly praised her performance, the short briefing and the questions surrounding her background soon became major subjects of political discussion.
One of the biggest challenges facing Zacharia has involved how she has described her legal background.
Although she graduated from Pepperdine’s law school, reports raised questions about whether she had passed a U.S. state bar examination and held a license to practice law.
On October 15, CBS News reported that Zacharia acknowledged she had taken the California bar exam but had not passed it. She defended her description of her professional experience, saying she had worked in international transactional law and disputed the suggestion that she had misrepresented her background.
The distinction matters because earning a law degree does not automatically authorize someone to practice law in the United States. The rules governing the use of professional titles can also depend on the relevant jurisdiction and circumstances.
The controversy prompted a watchdog complaint seeking scrutiny of her descriptions of her credentials. The existence of a complaint does not, by itself, establish that a legal violation occurred.
On October 16, Reuters reported that Zacharia had been dismissed from her position as White House press secretary after only a few days in the role. The report described President Trump as having advised her to reconsider the position amid the intense pressure and public scrutiny surrounding the job.
If confirmed by further official statements, the reported departure would mark an unusually short tenure for a senior White House communications official.
The developments also highlight the pressures that come with serving as the administration’s public spokesperson, where media scrutiny, political messaging and rapid responses to breaking events are central responsibilities.
What Katie Zacharia’s Story Means for Political Communications
Zacharia’s brief time in the spotlight illustrates how quickly a political appointment can become a wider debate about professional qualifications, public trust and accountability.
For a White House press secretary, credibility is particularly important. The role requires communicating policy clearly, responding to difficult questions and maintaining confidence among journalists and the public.
Her situation also demonstrates the importance of distinguishing between verified facts, allegations and political reactions. As further information emerges, official statements and reliable reporting will be essential to understanding the full circumstances of her reported departure.
Conclusion: A Rapid Rise Followed by Serious Challenges:
Katie Zacharia
Katie Zacharia’s rise to the White House press secretary position initially marked a significant career milestone. However, questions about her legal credentials, scrutiny of her first briefing and reports of her dismissal have turned the appointment into a major political story.
The episode is a reminder that experience, communication skills and public credibility all play important roles in high-profile government positions. Further confirmed details may clarify the circumstances surrounding her short tenure and what comes next for her career.
The Shane Gillis SNL monologuehas sparked fresh debate after the comedian returned to Saturday Night Live on October 10, 2026, for his third appearance as host. His stand-up routine featured personal stories, jokes about fitness and body image, and comments about women’s gym clothing that drew criticism from some viewers.
While some fans appreciated Gillis’s provocative comedic style, others questioned whether parts of the performance crossed the line. The episode also featured an unexpected swear word during a sketch, adding another headline-making moment to his latest appearance. Read the latest coverage of Shane Gillis’s.
Shane Gillis SNL Monologue: What Happened?
Gillis returned to the iconic NBC comedy show on Saturday, October 10, 2026, bringing his distinctive stand-up style to the opening monologue. The episode marked his third time hosting the program, following previous appearances in February 2024 and March 2025.
During the monologue, the comedian discussed his attempts to lose weight, his experiences hiking alone, and his efforts to return to a public gym in New York City. He also shared stories about growing up with his sisters and being teased about his appearance.
The routine mixed self-deprecating humor with provocative observations. Although some audience members responded with laughter, other jokes received a less enthusiastic reaction, according to entertainment coverage.
The contrast between the positive audience moments and the criticism that followed quickly made the monologue a talking point among entertainment fans.
One of the most controversial parts of the SNL monologue involved his comments about women’s workout clothing.
While describing his experience at the gym, Gillis made a derogatory joke about women wearing short, tight athletic shorts. The remark drew criticism from viewers who considered it disrespectful and unnecessarily insulting.
The moment became a major topic in online discussions after the broadcast. Critics argued that the joke relied on shaming women’s clothing choices rather than delivering humor without targeting a group.
Others defended Gillis’s approach, saying that provocative observations and uncomfortable topics have long been part of his stand-up style. Nevertheless, the divided response demonstrated how differently audiences can interpret the same comedy routine.
The debate also raised a broader question about the boundaries of humor on a nationally televised entertainment program.
2. Dan Levy Criticizes theShane Gillis SNL Monologue :
The controversy gained further attention when actor Dan Levy publicly responded to the comments about women’s gym clothing.
Levy, best known for the television series Schitt’s Creek, posted a video on Instagram criticizing the joke. He argued that women wearing short athletic clothing should not be labeled negatively and called on men to challenge disrespectful attitudes toward women.
Levy also described the issue as a concern for everyone rather than something women should have to address alone.
His response added another perspective to the discussion, shifting attention beyond the comedian’s performance to the broader implications of language and representation in entertainment.
The exchange illustrated how a few moments in a live comedy show can become part of a much larger public conversation.
3. Gillis Makes Fun of His Weight and Appearance
Not every part of the monologue generated controversy. Gillis also relied on self-deprecating humor, discussing his weight, receding hairline, and efforts to improve his fitness.
He joked about the awkwardness of being out of shape at a gym filled with physically fit people. He also described how his appearance had changed over time, turning his personal insecurities into material for the audience.
These jokes were consistent with the comedian’s familiar style, which often draws on personal experiences and exaggerated observations.
However, the routine’s reception was mixed. Some viewers appreciated his willingness to make himself the target of jokes, while others felt that the overall performance lacked the momentum needed for a strong opening monologue.
Entertainment reviews reflected that contrast, with some critics questioning the quality of the writing despite Gillis’s established popularity as a stand-up comedian.
4. An Unexpected F-Bomb Creates Another Viral Moment
shane gillis snl monologue
The monologue was not the only moment that attracted attention during the October 10 episode.
During a Dr. Seuss-inspired sketch titled “Green Eggs and Ham,” Gillis accidentally used an expletive while delivering a line. The unexpected language caught the attention of the live audience and fellow cast members.
Mikey Day, who played the father in the sketch, responded in character, helping the scene continue despite the mistake.
Gillis later acknowledged the incident during the closing segment, thanking the audience and apologizing for what had happened earlier.
The moment added an unscripted element to the broadcast and generated further discussion about the challenges of performing live television comedy. It also became one of the most widely discussed parts of the episode.
Gillis’s latest hosting appearance carries additional significance because of his complicated history with Saturday Night Live.
In September 2019, he was announced as a new cast member but was removed from the lineup days later after recordings surfaced of offensive remarks he had made on a podcast. The controversy attracted widespread criticism and became an early defining moment in his public career.
Gillis subsequently built a successful career outside the show through stand-up comedy, podcasting, and television projects, including the Netflix series Tires.
His return as a host in 2024, followed by another appearance in 2025 and his latest performance in 2026, marked a notable change in his relationship with the program.
That history helps explain why his monologue receives more scrutiny than an ordinary guest-host performance. Supporters see his repeated invitations as recognition of his success, while critics continue to question the show’s decision to give him such a prominent platform.
How Did Viewers React to the Shane Gillis SNL Monologue?
The response to the monologue was divided. Some viewers enjoyed the comedian’s personal anecdotes and willingness to tackle uncomfortable subjects. Others criticized the jokes about women and questioned whether the material was appropriate for a mainstream television audience.
The live audience’s reactions also varied throughout the performance, making it difficult to describe the entire monologue as either a complete success or a total failure.
The criticism demonstrates the challenge faced by comedians whose styles depend on provocation. Material that appeals to one audience may feel offensive or outdated to another, particularly when delivered on a major broadcast platform.
Social media has amplified these differences, allowing viewers, entertainers, and critics to respond almost immediately after a show airs.
What Happens Next for Shane Gillis and SNL?
The latest episode is likely to remain part of the wider conversation about comedy, creative freedom, and the expectations placed on major television programs.
For Gillis, the response highlights both his continued visibility and the scrutiny that comes with hosting one of America’s most recognizable comedy shows. For Saturday Night Live, it raises familiar questions about balancing edgy humor with the expectations of a broad audience.
Neither the criticism nor the positive reactions alone determines the long-term impact of the episode. The broader picture will depend on how audiences remember the performance and how the discussion develops in the days following the broadcast.
Conclusion: A Bold Return With a Controversial Aftermath
shane gillis snl monologue
The Shane Gillis SNL monologue delivered personal humor, uncomfortable jokes, and moments that divided viewers. His comments about women’s gym clothing attracted criticism, Dan Levy’s response expanded the debate, and an accidental swear word during a later sketch created another headline-making moment.
Despite the backlash, Gillis remains a prominent figure in contemporary stand-up comedy, and his repeated return to Saturday Night Live shows that his relationship with the program continues to evolve.
Ultimately, the episode demonstrates how a live comedy performance can entertain some viewers while provoking serious disagreement among others. Whether audiences consider the monologue a bold comedic performance or a disappointing misstep, it has undeniably renewed discussion about the boundaries of humor on television.