These are today's mortgage and refinance rates. Mortgage rates are down ahead of an expected Fed cut, but they might not drop much further this week.

The median interest rate on a 30-year fixed-rate mortgage is 5.990% as of September 13, which is unchanged from yesterday. Additionally, the median interest rate on a 15-year fixed-rate mortgage is 5.000%, which is 0.250 percentage points lower than yesterday.

With the Federal Reserve expected to begin lowering interest rates next week, a lot more people with pent-up demand to buy or sell a house will be wondering when to go to the housing market.