New York, California, and Florida currently have the lowest 30-year mortgage refi ratesThe states with the cheapest 30-year mortgage refinance rates Tuesday were New York, California, Florida, Washington,

The current median interest rate is 6.99% for a 30-year fixed-rate mortgage and 6.13% for a 15-year fixed-rate mortgage

These are today's mortgage and refinance rates. Mortgage rates are down slightly today, but they're still higher than they've been in recent months.

Mortgage refi rates have fallen for a second day, lowering the 30-year average to its cheapest level since mid-October. Most other loan types saw rates hold steady or drop.

The average 30-year mortgage rate remains high despite the Federal Reserve again dropping its key interest rate.