Mortgage and refinance interest rates today, April 11, 2026: Rates continue dropping amid Iran ceasefire

Mortgage and refinance rates in the U.S. declined on April 11, 2026, as financial markets reacted to a developing ceasefire involving Iran, reducing regional geopolitical tensions. The easing of hostilities supported a broader risk-on sentiment, contributing to lower Treasury yields and narrowing credit spreads, which in turn pressured mortgage rates downward through the rate differential channel. Real estate and mortgage-sensitive equities saw modest gains, while Iranian asset proxies and broader Middle East energy infrastructure stocks experienced reduced risk premiums. Traders are now focused on the upcoming Federal Reserve meeting minutes and any follow-up statements from regional actors to assess the durability of the ceasefire and its implications for global oil supply stability.

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