 Just go to work at 4 o'clock in the morning. Mortgage rates. The average 30-year mortgage rate in America went down a little bit. According to government data, it dropped a tiny bit to 6.86 from 6.87 the week before. So unless you need a mortgage on a $20 million mansion or a new baseball stadium, the drop won't make that much of a difference. Still almost two-tenths of a percent more.