{
  "_meta": {
    "version": "1.0.0",
    "source": "Aggregated weekly average from Freddie Mac PMMS, MBA, and Bankrate national surveys",
    "lastUpdated": "2026-05-17",
    "country": "US",
    "currency": "USD",
    "notes": "National average mortgage rates and APRs. APR includes typical points and fees. Rates are illustrative — actual rates vary by lender, credit score, LTV, and location."
  },
  "products": [
    {
      "id": "30-year-fixed",
      "name": "30-Year Fixed",
      "termYears": 30,
      "rate": 6.42,
      "apr": 6.51,
      "description": "The most popular US mortgage. Predictable principal and interest for 30 years."
    },
    {
      "id": "15-year-fixed",
      "name": "15-Year Fixed",
      "termYears": 15,
      "rate": 5.68,
      "apr": 5.81,
      "description": "Higher monthly payment, half the interest paid over the life of the loan."
    },
    {
      "id": "5-1-arm",
      "name": "5/1 ARM",
      "termYears": 30,
      "rate": 6.15,
      "apr": 7.04,
      "description": "Adjustable-rate mortgage: fixed for 5 years, then resets annually."
    },
    {
      "id": "fha-30-year",
      "name": "FHA 30-Year Fixed",
      "termYears": 30,
      "rate": 6.21,
      "apr": 7.12,
      "description": "Government-backed loan for first-time buyers with down payments as low as 3.5%."
    },
    {
      "id": "va-30-year",
      "name": "VA 30-Year Fixed",
      "termYears": 30,
      "rate": 6.05,
      "apr": 6.28,
      "description": "Zero-down mortgage for eligible veterans, service members, and surviving spouses."
    },
    {
      "id": "jumbo-30-year",
      "name": "Jumbo 30-Year Fixed",
      "termYears": 30,
      "rate": 6.56,
      "apr": 6.64,
      "description": "Loan exceeding the conforming limit ($806,500 in 2026 for most counties)."
    }
  ]
}