Mortgage rates are a bit all over the place today. According to Zillow, the 30-year fixed rate has held stagnant at 6.45%, and the 15-year fixed rate is down just two basis points to 5.80%. However, the 20-year fixed mortgage rate has jumped by 11 basis points to 6.35%, and the 7/1 ARM rate has plunged by 16 basis points to 6.53%.

In today's rate environment, shopping with multiple mortgage lenders to compare their rates and fees is crucial. You should also consider different types of mortgages and loan term lengths to decide which is best for you.

Read more: How to get mortgage preapproval from a lender

Today's mortgage rates

Here are the current mortgage rates, according to the latest Zillow data:

• 30-year fixed: 6.45%

• 20-year fixed: 6.35%

• 15-year fixed: 5.80%

• 5/1 ARM: 6.59%

• 7/1 ARM: 6.53%

• 30-year VA: 5.87%

• 15-year VA: 5.44%

• 5/1 VA: 6.08%

• 30-year FHA: 5.58%

Remember, these are the national averages and rounded to the nearest hundredth.

Learn more: 5 strategies for getting the lowest mortgage rates

Today's mortgage refinance rates

These are today's mortgage refinance rates, according to the latest Zillow data:

• 30-year fixed: 6.47%

• 20-year fixed: 6.44%

• 15-year fixed: 5.82%

• 5/1 ARM: 6.04%

• 7/1 ARM: 6.18%

• 30-year VA: 5.91%

• 15-year VA: 5.82%

• 5/1 VA: 5.49%

Again, the numbers provided are national averages rounded to the nearest hundredth. Mortgage refinance rates are often higher than rates when you buy a house, although that's not always the case.