The rate on a 30-year fixed refinance decreased to 6.98% today, according to the Mortgage Research Center. Rates averaged 5.96% for a 15-year financed mortgage and 6.85% for a 20-year financed mortgage.

These are today's mortgage and refinance rates. Rates are holding steady, so small ticks up or down shouldn't have a significant impact. Lock in your rate today.

Friday, raising the average a bit from last week's seven-week low. Rates for most other refi loan types also climbed.

The rate on a 30-year fixed refinance climbed to 7.05% today, according to the Mortgage Research Center. For 15-year fixed refinance mortgages, the average rate is 6.03%, and for 20-year mortgages, the average is 6.

Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners seeking to refinance their loan to a lower rate, rose this week.

January peak of 7.30%, 30-year refinance rates are still somewhat elevated after plunging in September to a two-year low of 6.01%. Rate movement was down for almost all other refi loan types as well Thursday.