Step into a world where the focus is keenly set on what is general average. Within the confines of this article, a tapestry of references to what is general average awaits your exploration. If your pursuit involves unraveling the depths of what is general average, you've arrived at the perfect destination.
Our narrative unfolds with a wealth of insights surrounding what is general average. This is not just a standard article; it's a curated journey into the facets and intricacies of what is general average. Whether you're thirsting for comprehensive knowledge or just a glimpse into the universe of what is general average, this promises to be an enriching experience.
The spotlight is firmly on what is general average, and as you navigate through the text on these digital pages, you'll discover an extensive array of information centered around what is general average. This is more than mere information; it's an invitation to immerse yourself in the enthralling world of what is general average.
So, if you're eager to satisfy your curiosity about what is general average, your journey commences here. Let's embark together on a captivating odyssey through the myriad dimensions of what is general average.
What is omicron like what to know about microneedling what do we know about omicron what i need to know about omicron what we need to know about omicron what to know about cryptocurrency what to know about a home equity loan what to know about credit cards what to know about stocks what to know about cats what to do when bored what to do in montreal
What to Know About Omicron and Its Subvariants (Including BA.5)
What to Know About Omicron and Its Subvariants (Including BA.5)
For the most up-to-date news and information about the coronavirus pandemic, visit the
WHO
and
CDC
websites.
What's happening
The omicron variant of COVID-19 keeps changing, creating newer, more contagious variants. BA.5 seems to be the most contagious version to date and is causing most of the current COVID-19 cases in the US.
Why it matters
BA.5 is causing more reinfection in people who already had COVID-19, including earlier versions of omicron. It's also evading immunity from the vaccines.
What it means for you
The vaccines are still effective at preventing severe disease and death. To stay protected, get the booster shots you're eligible for and wear a mask in public.
COVID-19 cases in the US appear to be on a downward trend, according to a report from the US Centers for Disease Control and Prevention and the New York Times COVID-19 tracker. But most counties in the US still have a "medium" or "high" level of COVID-19, which continues to guide COVID-19 recommendations after the CDC recently updated its guidance. The updated guidance removes the quarantine recommendation for people who aren't vaccinated and other adjustments as the CDC tries to move the US into a new phase of COVID-19.
The cause of most COVID-19 infections this summer is BA.5, the newest subvariant of the omicron variant. Scientists believe BA.5 is the most contagious version of COVID-19 thus far, and it's responsible for about 89% of current cases, according to the latest data from the CDC.
At a White House COVID-19 Response Team briefing July 12, Dr. Anthony Fauci, the president's chief medical adviser, explained how the virus that causes COVID keeps mutating and that the virus has "essentially bumped one variant off the table after the other," which has led to a long parade of increasingly contagious subvariants of omicron. BA.5 is the newest, and a highly problematic, mutation.
Though BA.5 "substantially" evades antibodies from prior infections and vaccines, health officials say being up-to-date with a booster (or two boosters if you're 50 or older) still protects against severe disease and death. Research so far shows that BA.5 doesn't overcome those protections against severe disease, though more research is needed to understand its clinical severity compared with earlier subvariants of omicron.
In an effort to target the most relevant strain of virus causing COVID-19, vaccines based on the BA.5 subvariant (along with BA.4) will be the first choice for COVID-19 booster shots this fall, to be rolled out as early as September. Response Team Coordinator Dr. Ashish Jha encouraged everyone to get a booster if they're eligible and haven't opted for one yet, because it won't affect people's ability to get vaccinated come fall or winter when they become eligible. Second boosters of the existing vaccines will likely only be recommended until then for adults 50 and up and younger adults and teens who are immunocompromised.
COVID-19 treatments, including Paxlovid, are predicted to be effective still, and the US Test to Treat clinics are still up and running to connect people most at risk with prescriptions for treatments if they need them.
Here's what we know about BA.5.
Read more: Best COVID Face Masks For Kids
Do the at-home tests detect BA.5?
Right now there's no reason to suggest that the at-home rapid COVID-19 tests (a few boxes of which are free when you order through the government's website) are less effective in regard to BA.5 compared with earlier versions of omicron. Generally speaking, the FDA says early data suggests the antigen tests detect omicron but may have reduced sensitivity. BA.5 is a version of omicron, and tests are expected to work the same.
But as of last week, the FDA strengthened its stance on the importance of testing more than once. To be positive you don't have COVID-19, the FDA says you should take a third test if the first two were negative, but you're concerned you were exposed to COVID-19. Taking another home test 48 hours after your second negative test will help catch an infection, as a study found that repeat testing over a longer time frame is more accurate, per the FDA.
"Positive results remain highly accurate for these tests, though there still can be false negatives," Shaili Gandhi, vice president of pharmacy at SingleCare, said in an email. This is because it takes a higher amount of virus to test positive on a rapid test than the highly sensitive PCR or lab-based tests. People who are fully vaccinated and boosted, for example, may have a very low viral load (smaller amount of virus) and that may mean they test negative even if they do have COVID-19.
Typically, rapid home tests work by detecting the part of the COVID-19 virus protein that doesn't change much between variants, called the nucleocapsid, Slate reports. "Because of that, the tests are able to detect the different variants," Nate Hafer, an assistant professor of molecular medicine at UMass Chan Medical School, told the publication.
Long story short: take the test.
Read more: New Booster for COVID: Here's the Fall 2022 Vaccine Plan
How severe is BA.5? Do COVID-19 treatments still work?
BA.5 is a subvariant of omicron, which means it's different from the "original" omicron, but not different enough to constitute its own variant status. (Delta is a different variant from omicron and beta, for example.) BA.5 is understood to be the most contagious version of the virus yet, however, and it's evading immunity. This means more people will get reinfected with COVID-19, which can put them at risk of complications and long COVID symptoms, even if the infection itself was mild.
Walensky said last week that we don't definitively know yet about the clinical severity of BA.5 compared to earlier subvariants of omicron. As the pandemic drags on and most of the population has some immunity from vaccines and prior infections, it can become harder to compare variant and subvariant severity in the real world.
In an analysis of a preliminary (not yet peer-reviewed) report from the Kirby Institute in Australia, however, Dr. Eric Topol, a professor of molecular medicine at Scripps Research, wrote that BA.5's ability to infect cells might be more similar to the delta variant than other versions of omicron. He also writes that changes in BA.5 might explain reports of people taking longer to test negative compared to illnesses with earlier omicron subvariants.
As with other versions of omicron that whittled down our immunity, the vaccines and boosters available are still expected to provide protection against severe disease and death. Boosters -- including a second booster -- have been particularly important for protecting older adults and other people more vulnerable to severe disease in the age of omicron, and have substantially cut the risk of death from COVID-19.
Paxlovid, an effective antiviral medication, is still expected to be effective at treating COVID-19 in people at higher risk of severe disease, Fauci said. The monoclonal antibody therapy available, bebtelovimab from Eli Lilly, is also predicted to be effective against BA.5, as is Evusheld. Evusheld
If you test positive for COVID-19 and are at higher risk of severe disease (you're an older adult or you have a health condition), reach out to your doctor or find a Test to Treat clinic near you.
What are the symptoms?
Right now, there aren't any reports that show BA.5 is giving people different symptoms compared to earlier versions of omicron.
For many people who become sick with COVID-19 these days (particularly those who are fully vaccinated and boosted), symptoms resemble cold symptoms such as sore throat, runny nose and fatigue. Back pain is a peculiar new symptom of COVID-19 that some people with omicron have reported, and the once very common loss of taste or smell appears to be much less common with omicron variants than with older strains.
If you have symptoms and are wondering whether it's COVID-19, taking a test and staying home while you're sick will help protect people more vulnerable to severe COVID-19 disease.
Read more: Is It Allergies or COVID? How to Tell the Difference
Sarah Tew/CNET
Understanding omicron, variants and subvariants
Variants are made up of multiple lineages and sublineages. Each variant has a "parent" lineage, according to the CDC, followed by other lineages, which you can think of like a family tree. As the virus spreads between people, mutations occur, but not all of them change the characteristics of the virus in meaningful ways.
The omicron variant and its sublineages made the virus much more contagious and capable of infecting more people, but it's led to less severe disease, on average, than the delta variant.
One of the most important things we can do to stop the virus from mutating is keeping community levels of COVID-19 low so the virus has less chance to mutate, Fauci said.
Genomic surveillance can detect variants and sublineages. Scientists in South Africa were able to quickly identify omicron as a new variant because of the way it presents through PCR tests. The original omicron causes a dropped signal or marker on the test that sets it apart from delta, which was the dominant variant prior to omicron. BA.2, however, didn't have the same signal, called an S gene target failure. This made it more "stealthy" and gave it its name. Genomic sequencing will detect all omicron subvariants and coronavirus variants in general.
However, detecting new variants or subvariants may be becoming more difficult as the number of sequences shared across the world have "dropped precipitously," Dr. Maria Van Kerkhove, an infectious disease specialist with the World Health Organization, said in June. While the impact was still enormous, having real-world data available quickly after scientists detected omicron was a benefit during the worldwide surge last winter.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
What to know about omicron and its subvariants including basement what to know about omicron and its subvariants of omicron what you need to know about omicron what to know about botox what to know about leasing a car what to know about raising chickens what to know about buying land what to know about cataract surgery what to watch on netflix what to write in a sympathy card what to do when bored
What to Know About Omicron and Its Subvariants (Including BA.5)
What to Know About Omicron and Its Subvariants (Including BA.5)
For the most up-to-date news and information about the coronavirus pandemic, visit the
WHO
and
CDC
websites.
What's happening
The omicron variant of COVID-19 keeps changing, creating newer, more contagious variants. BA.5 seems to be the most contagious version to date and is causing most of the current COVID-19 cases in the US.
Why it matters
BA.5 is causing more reinfection in people who already had COVID-19, including earlier versions of omicron. It's also evading immunity from the vaccines.
What it means for you
The vaccines are still effective at preventing severe disease and death. To stay protected, get the booster shots you're eligible for and wear a mask in public.
COVID-19 cases in the US appear to be on a downward trend, according to a report from the US Centers for Disease Control and Prevention and the New York Times COVID-19 tracker. But most counties in the US still have a "medium" or "high" level of COVID-19, which continues to guide COVID-19 recommendations after the CDC recently updated its guidance. The updated guidance removes the quarantine recommendation for people who aren't vaccinated and other adjustments as the CDC tries to move the US into a new phase of COVID-19.
The cause of most COVID-19 infections this summer is BA.5, the newest subvariant of the omicron variant. Scientists believe BA.5 is the most contagious version of COVID-19 thus far, and it's responsible for about 89% of current cases, according to the latest data from the CDC.
At a White House COVID-19 Response Team briefing July 12, Dr. Anthony Fauci, the president's chief medical adviser, explained how the virus that causes COVID keeps mutating and that the virus has "essentially bumped one variant off the table after the other," which has led to a long parade of increasingly contagious subvariants of omicron. BA.5 is the newest, and a highly problematic, mutation.
Though BA.5 "substantially" evades antibodies from prior infections and vaccines, health officials say being up-to-date with a booster (or two boosters if you're 50 or older) still protects against severe disease and death. Research so far shows that BA.5 doesn't overcome those protections against severe disease, though more research is needed to understand its clinical severity compared with earlier subvariants of omicron.
In an effort to target the most relevant strain of virus causing COVID-19, vaccines based on the BA.5 subvariant (along with BA.4) will be the first choice for COVID-19 booster shots this fall, to be rolled out as early as September. Response Team Coordinator Dr. Ashish Jha encouraged everyone to get a booster if they're eligible and haven't opted for one yet, because it won't affect people's ability to get vaccinated come fall or winter when they become eligible. Second boosters of the existing vaccines will likely only be recommended until then for adults 50 and up and younger adults and teens who are immunocompromised.
COVID-19 treatments, including Paxlovid, are predicted to be effective still, and the US Test to Treat clinics are still up and running to connect people most at risk with prescriptions for treatments if they need them.
Here's what we know about BA.5.
Read more: Best COVID Face Masks For Kids
Do the at-home tests detect BA.5?
Right now there's no reason to suggest that the at-home rapid COVID-19 tests (a few boxes of which are free when you order through the government's website) are less effective in regard to BA.5 compared with earlier versions of omicron. Generally speaking, the FDA says early data suggests the antigen tests detect omicron but may have reduced sensitivity. BA.5 is a version of omicron, and tests are expected to work the same.
But as of last week, the FDA strengthened its stance on the importance of testing more than once. To be positive you don't have COVID-19, the FDA says you should take a third test if the first two were negative, but you're concerned you were exposed to COVID-19. Taking another home test 48 hours after your second negative test will help catch an infection, as a study found that repeat testing over a longer time frame is more accurate, per the FDA.
"Positive results remain highly accurate for these tests, though there still can be false negatives," Shaili Gandhi, vice president of pharmacy at SingleCare, said in an email. This is because it takes a higher amount of virus to test positive on a rapid test than the highly sensitive PCR or lab-based tests. People who are fully vaccinated and boosted, for example, may have a very low viral load (smaller amount of virus) and that may mean they test negative even if they do have COVID-19.
Typically, rapid home tests work by detecting the part of the COVID-19 virus protein that doesn't change much between variants, called the nucleocapsid, Slate reports. "Because of that, the tests are able to detect the different variants," Nate Hafer, an assistant professor of molecular medicine at UMass Chan Medical School, told the publication.
Long story short: take the test.
Read more: New Booster for COVID: Here's the Fall 2022 Vaccine Plan
How severe is BA.5? Do COVID-19 treatments still work?
BA.5 is a subvariant of omicron, which means it's different from the "original" omicron, but not different enough to constitute its own variant status. (Delta is a different variant from omicron and beta, for example.) BA.5 is understood to be the most contagious version of the virus yet, however, and it's evading immunity. This means more people will get reinfected with COVID-19, which can put them at risk of complications and long COVID symptoms, even if the infection itself was mild.
Walensky said last week that we don't definitively know yet about the clinical severity of BA.5 compared to earlier subvariants of omicron. As the pandemic drags on and most of the population has some immunity from vaccines and prior infections, it can become harder to compare variant and subvariant severity in the real world.
In an analysis of a preliminary (not yet peer-reviewed) report from the Kirby Institute in Australia, however, Dr. Eric Topol, a professor of molecular medicine at Scripps Research, wrote that BA.5's ability to infect cells might be more similar to the delta variant than other versions of omicron. He also writes that changes in BA.5 might explain reports of people taking longer to test negative compared to illnesses with earlier omicron subvariants.
As with other versions of omicron that whittled down our immunity, the vaccines and boosters available are still expected to provide protection against severe disease and death. Boosters -- including a second booster -- have been particularly important for protecting older adults and other people more vulnerable to severe disease in the age of omicron, and have substantially cut the risk of death from COVID-19.
Paxlovid, an effective antiviral medication, is still expected to be effective at treating COVID-19 in people at higher risk of severe disease, Fauci said. The monoclonal antibody therapy available, bebtelovimab from Eli Lilly, is also predicted to be effective against BA.5, as is Evusheld. Evusheld
If you test positive for COVID-19 and are at higher risk of severe disease (you're an older adult or you have a health condition), reach out to your doctor or find a Test to Treat clinic near you.
What are the symptoms?
Right now, there aren't any reports that show BA.5 is giving people different symptoms compared to earlier versions of omicron.
For many people who become sick with COVID-19 these days (particularly those who are fully vaccinated and boosted), symptoms resemble cold symptoms such as sore throat, runny nose and fatigue. Back pain is a peculiar new symptom of COVID-19 that some people with omicron have reported, and the once very common loss of taste or smell appears to be much less common with omicron variants than with older strains.
If you have symptoms and are wondering whether it's COVID-19, taking a test and staying home while you're sick will help protect people more vulnerable to severe COVID-19 disease.
Read more: Is It Allergies or COVID? How to Tell the Difference
Sarah Tew/CNET
Understanding omicron, variants and subvariants
Variants are made up of multiple lineages and sublineages. Each variant has a "parent" lineage, according to the CDC, followed by other lineages, which you can think of like a family tree. As the virus spreads between people, mutations occur, but not all of them change the characteristics of the virus in meaningful ways.
The omicron variant and its sublineages made the virus much more contagious and capable of infecting more people, but it's led to less severe disease, on average, than the delta variant.
One of the most important things we can do to stop the virus from mutating is keeping community levels of COVID-19 low so the virus has less chance to mutate, Fauci said.
Genomic surveillance can detect variants and sublineages. Scientists in South Africa were able to quickly identify omicron as a new variant because of the way it presents through PCR tests. The original omicron causes a dropped signal or marker on the test that sets it apart from delta, which was the dominant variant prior to omicron. BA.2, however, didn't have the same signal, called an S gene target failure. This made it more "stealthy" and gave it its name. Genomic sequencing will detect all omicron subvariants and coronavirus variants in general.
However, detecting new variants or subvariants may be becoming more difficult as the number of sequences shared across the world have "dropped precipitously," Dr. Maria Van Kerkhove, an infectious disease specialist with the World Health Organization, said in June. While the impact was still enormous, having real-world data available quickly after scientists detected omicron was a benefit during the worldwide surge last winter.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
Best ceramic coating for vinyl wraps best ceramic coating for cars best ceramic coating reviews best ceramic coating for boats best ceramic coating for wheels best ceramic coating spray for cars best ceramic coating for motorcycles best ceramic cookware best ceramic coating best ceramic grills
Best Ceramic Coating for 2022
Best Ceramic Coating for 2022
Listen to the hype about ceramic auto paint coatings and you might get the idea that a ceramic top coat will protect your vehicle from falling tree limbs. It won't. The best ceramic coatings will give your car or truck its best defense against settling airborne chemicals and pollutants, tree sap, road and sea salt, bird poop and the sun's harmful ultraviolet rays. They'll also deliver a gorgeous sheen that's hard to beat.
Think of ceramic coating as a harder, more protective clear coat for your paint's clear coat. It's the best, most durable way to protect your vehicle's finish, short of a full transparent film wrap, and its hydrophobic (water sheeting) properties make cleaning much, much easier. A properly applied ceramic coating can last for years.
The best ceramic coatings require differing amounts of time and energy to apply, but all require some level of sweat equity and commitment (there's a reason automotive detailing shops get big bucks to professionally apply ceramic). There's a lot of white noise about ceramic coatings and literally hundreds of products to choose from. We've waded through the hype and chosen the best OTC ceramic coatings for a variety of circumstances, purposes and commitment levels based on expert knowledge and opinion, user ratings and personal experience. Click through our best ceramic coatings to understand your options, then read on for a primer on what this amazing technology will and won't do for your vehicle and how best to use it.
CarPro
CarPro CQuartz UK 3.0 is the top over-the-counter product from a Malta-based company that pioneered automotive ceramic coatings in the early 21st century. It contains 70% silicon dioxide that's 99% pure and it leaves what might be the deepest wet-look gloss we've seen. It delivers all the durably protective properties only true ceramic coatings can.
Better still, CQuartz UK 3.0 is not terribly difficult to apply, as pro-grade ceramic coatings go. It's much less finicky about air temperature during application than other serum-type ceramic liquids (anything between 40 and 100 degrees Fahrenheit will work). Its initial hardening time is longer than most, so there's more time to spread and work. Yet it fully cures in only 60 minutes, so you can take a blast by the time you clean up. Or you can build layers during a single-day session, if you want even longer protection. CarPro projects 18 to 24 months of full hydrophobic performance for each layer applied. Every bottle is labeled with its production date and it's guaranteed to remain fully pliant for one year
In short, CarPro CQuartz UK 3.0 is the best combination of quality and ease of application we've encountered and the kit includes almost everything you need. According to users (and CarPro's own math), the included suede applicator wraps will be used up before a medium to large size vehicle is coated, so you might want to order some extras.
Nasiol
Like our best overall ceramic coating product, this kit comes from a company that has been in the ceramic coating business since the beginning. Indeed, Turkey-based Nasiol manufacturers a range of nano-ceramic protectants, including coatings for countertops, marine products, wood and clothing. The chemistry in ZR53 Nano Ceramic coating is impeccable. It goes on in one coat, delivers a rich shine and 9H hardness and should last at least three years in all conditions. The kit includes ZR53 ceramic coating, application pads, gloves, two microfiber cloths and other accessories.
So what's not to like? You'd better know what you're doing when you lay this ceramic down. It needs to go on thin and even and that's easier said than done. Trickier still, it starts to harden in as little as 20 seconds. It's imperative to work small, and quickly, because if it's not buffed before it dries, it can leave streaks or uneven clouds. And the only way this stuff is coming off is with ultra-high PH detergent you won't find at your local hardware store, or with pro-skill power wheeling and enough experience to get it without going into the paint underneath.
Mothers
How difficult is applying Mothers CMX Ceramic Spray Coating? You spray it on an applicator pad, spread it evenly, let it set about five minutes and buff it lightly with a microfiber towel. Then you let it cure for 24 hours. In other words, it goes on easier than conventional "wax on, wax off" carnauba or polymer auto coatings. While it won't last as long as more expensive (and more challenging) ceramic coatings, it will last multiples longer than most of those conventional carnaubas and polys. Or a year or so, depending on how much your car sits out in the sunlight and smog.
You can also layer CMX Ceramic Spray with two or three consecutive coats, leaving those 24 hours in between, before you ever pull the car from the garage. That will extend its durability. Either way, it will provide better hydrophobic protection than most carnaubas and poly waxes, keeping your paint safer and your car cleaner and making your car easier to wash. With application this easy there shouldn't be too much trouble finding time to shine your car once a year.
Nexgen
Nexgen Ceramic Spray can leave flecks and streaks that take some serious elbow grease to buff out. That's almost certainly because you sprayed too much on the paint to begin with. Use less, work less. The eight-ounce bottle is enough for four or five mid-size cars. Once it's on, Nexgen leaves a slick shine and something you don't get in many easy-app ceramic sprays.
That would be a whole lot more silicon dioxide in the formula and silicon dioxides are what thatch the coating molecules together and bond the ceramic to your paint. Nexgen claims it has the highest concentration of SiO2 in any over-the-counter spray; at 13%, double what many have. That should mean that its liquid-shedding, chemical protecting gloss will last longer than the typical easy-app ceramic spray.
Meguiar's
Meguiar's Hybrid Ceramic Liquid Wax is more like a conventional wax formula infused with silicon dioxides to bond the molecules and build that ceramic barrier and there's something to be said for familiarity. It goes on like conventional liquid in a circular motion and dries to a haze that you buff off. To be sure, the haze is lighter than old-school wax residue and less work to remove. It's really hard to mess this stuff up.
What's left when you're finished is a deep, mellow shine and extreme water-beading action. Moreover, the haze makes it harder to miss spots and easier to gauge even coverage and Meguiar's Hybrid will not whiten non-painted trim or rubber gaskets.
Drexler
Drexler is a relatively new, small-volume company in France that warrants some of its ceramic coatings up to 10 years. Its over-the-counter ceramic for vehicles is applied in two stages: one liquid, one spray. It's time consuming (at best) to apply, but not terribly tricky and the manufacturer offers an on-line tutorial.
What you get for the trouble is a hard 9H finish that should minimize light scratching as effectively as any ceramic coating can. It's intended to last five years or more, like many of the professionally applied, detail-shop ceramics. Drexler claims that with moderate hose pressure (say, from a low-grade pressure washer), virtually anything stuck to a Drexler-coated vehicle will rinse off without rubbing.
Weiruixin
This product originates in China and delivers pro-grade chemistry for the price of good, easy-application, consumer-grade detailing products, with applicator, towels, etc. in the package. Weiruixin claims 10H Ceramic Coating 3.0 has an industry best 10H hardness rating and remains bonded at temperatures up to 1,400 degrees Fahrenheit. It guarantees its hydrophobic properties for at least two years... or your money back.
We wouldn't want to have to chase that $25, but the indicators suggest this could be a good product for not much money, if you're willing to make it work. Experience tells us that it won't be easy to use. The thick fluid will be temperature sensitive, demanding room-temperature, no-dust application conditions and you'll have to keep your car dry and shaded for seven days for it to fully cure. If you lack pro-grade skills, better to choose something like our best cheap and easy ceramic coating. You'll be much happier with the process and maybe even with the results.
Mothers
Remember the first fundamental rule of all ceramic coatings: Surface or paint preparation matters at least as much as the coating itself. The coating simply protects and shines whatever is underneath and it will last longest when its bond with the paint is strongest.
Now, you could spend thousands of dollars or a week's worth of hard work on a full paint correction for your daily-driving 2008 Subaru Impreza. Or you could get Mothers' relatively inexpensive CMX Surface Prep. CMX Surface Prep is pH neutral and biodegradable, and it strips oil, grease, wax and other chemical residue without harming the paint-as easily as cleaning the windows. Just spray CMX Surface Prep on the paint and wipe it off. It won't do much about existing swirl marks or scratches, but it will leave a chemically spotless foundation that helps ensure maximum bonding for the ceramic coating that follows.
Mothers
Like our best minimalist ceramic coating prep (Mothers CMX Surface Prep), CMX Ceramic 3-in-1 Polish & Coat removes grease, old wax and other chemical residue in advance of your ceramic coating application. Yet 3-in-1 adds a light polishing compound, so with a dose more elbow grease or a polishing wheel, it can also remove swirl marks, light scratches, oxidation and other imperfections in the paint.
Better still, Mothers CMX Ceramic 3-in-1 Polish & Coat includes mineral oxides like those in the ceramic coating itself, so it leaves a nice, hard gloss when you're finished. It's hardy enough to leave as it is, but it also provides a fantastic primer coat for a full ceramic coating on top. It won't deteriorate an existing ceramic coating, either, and that makes it a great refresher to invigorate and deepen a good coating that's a couple years old with less work (and cost) than starting from scratch.
Comparison of the best ceramic coatings for 2022
Product
Price
Best ceramic coating overall
CarPro CQuartz UK 3.0 Kit
$83
Best ceramic coating for pro-skill home detailers
Nasiol ZR53 Nano Ceramic Coating Kit
$118
Best cheap and easy ceramic coating
Mothers CMX Ceramic Spray Coating
$18
Best ceramic coating for home detailing newbies
Nexgen Ceramic Spray
$35
Best old school/new school ceramic wax
Meguiar's Hybrid Ceramic Liquid Wax
$25
Best ceramic coating for off-roaders
Drexler Ceramic Car Coating Kit
$74
Best cheap ceramic coating for pro-skill home detailers
Weiruixin 10H Ceramic Coating 3.0 Kit
$25
Best minimalist prep for any ceramic coating
Mothers CMX Surface Prep
$13
Best stage 1 upgrade prep for any ceramic coating
Mothers CMX Ceramic 3-in-1 Polish & Coat
$13
Mothers
Ceramic coatings 101
Somewhere in or under your automobile, there's almost certainly some ceramic coating. Automakers have been using it for years because it's the best protective finish for a variety of parts, including wheel hubs, interior trim bits and things you'll see if you lift the hood. You just won't have ceramic coating on your vehicle's finish paint unless you put it there yourself.
Ceramic coatings can have different names -- nano ceramic, quartz or silica coatings -- and come in various forms. There are thermal sprays, dry powder coatings and wet chemical sprays or liquids. There are different auto-detailing ceramics for different surfaces like wheels, paint, windows or trim. In this report we'll focus on the paint, though some products will work on all of the above. Some of them aren't ceramic coatings in the original form. They're hybrids manufactured like more conventional auto waxes and infused with the key ingredient that makes ceramic coatings "ceramic."
That ingredient is silicon dioxide (SiO2), which bonds the coating at a molecular level to itself and the paint underneath, then cures to form a hard, hydrophobic (impenetrable to water) layer on top of the paint. The silicon dioxide is extracted from natural materials like quartz or sand. Over the years, some ceramic coating manufacturers have added titanium dioxide (Ti02) or more complex silicon compounds such as silicon nitride (Si3N4 9) and silicon carbide (SiC) to their formulae. These can increase the performance of the coating.
Any ceramic coating worth the name will have at least 5% silicon dioxide. The best consumer-grade ceramics have SiO2 concentrates in the 70-80%range, though these can also be the most difficult to apply. Professional detailers and installers typically use ceramic coatings with SiO2 concentrations between 93 and 97%. Other things equal, the higher the SiO2 percentage, the stronger and more durable the coating becomes, and the more money it costs.
In ceramic coatings, other things are rarely equal. The overall performance and price of the product is at least as important as the amount of silicon dioxide. Every ceramic coating also has polymers (more conventional bonding chemicals), glossing agents, curing compounds and or other ingredients. While most manufacturers keep their exact formula proprietary, their products must do more than protect. They must also maximize shine and make application consistent, if not necessarily easy. While the level of silicon dioxide is important to a ceramic coating's overall durability, it's not the only thing that determines a coating's overall performance, in terms of how it looks on your car and how easy or difficult it is to put there.
Meguiar's
Ceramic coatings are sometimes rated with a number before the letter H like 8H or 9H. Contrary to published claims and popular belief, this is not a rating on the Moh scale, which is used by geologists to rank mineral hardness from 1 to 10 (the surface of a copper penny is about 3.5H on the Moh scale, while a diamond is 10H). Rather, the ratings for ceramic coatings will be based on the Wolff-Wilborn Pencil Hardness Test. A pencil hardness test drags increasingly hard graphite pencils across the surface of a coating. The resultant number identifies the softest pencil that will leave a scratch on the coating. A 9H in a pencil hardness test demonstrates about the same surface hardness as the copper penny on the Moh scale, and while that's not diamond grade, it's still pretty darn hard. By pencil hardness, the standard clear coat paint on your car or truck is somewhere between 2H and 4H. That means a 9H ceramic coating is 2.25 to 4.5 times harder to scra tch.
Over-the-counter ceramic coatings are, obviously, intended for use by DIY auto detailers. In the simplest terms, application is similar to traditional automotive wax: You spread the ceramic on in some fashion and then buff it (though not necessarily off). Yet anyone who's done much automobile waxing knows the simplest terms don't fully explain the level of energy required. The best do-it-yourself ceramic coatings and the best results demand some level of sweat equity, in both surface preparation and application. The best in terms of durability or long-term protection are usually the most demanding. If you mess a high-grade ceramic coating up, it will be really, really hard to get off.
It's no coincidence that high-end detailing shops (sometimes called auto spas) have boomed in the era of ceramic coatings. The good shops know what they're doing and they can almost certainly do it better than you can. There are nonetheless a range of great consumer-grade ceramic coatings out there, suitable for everyone from raw DIY detailers to those with pro-grade skills. Those products can leave the paint on your car or truck looking gorgeous... and a you that's proud of what you accomplished, wherever you rank in the detailing-skills pecking order.
We'll get to the details of ceramic coating preparation and application shortly, but if you plan to do it yourself you need to start by gauging how much time and energy you're willing to commit. And by not overestimating your skills. And by considering what you're willing to do if it goes wrong.
First, let's get specific about the real benefits of ceramic coatings and the myths.
Nasiol
What ceramic coatings will (and won't) do
The best ceramic coatings will give your car or truck an incredible shine and probably a better shine than it's ever had before. Professional detailers and some car geeks know that shines can be different like the deep, mellow, lusty shine of perfectly applied, old-school carnauba wax or the more aggressive, wet-look shine of subsequent polymer sealants. The best ceramic coatings span a similar spectrum, but all of them will leave you looking over your shoulder and admiring as you walk away from your vehicle in a parking lot. They'll keep your car cleaner, longer and they'll make it look like you just re-waxed it every time you wash it.
At least as importantly, the best ceramic coatings will protect your car's paint better than any conventional carnauba or poly wax can. Think of any wax or sealant as a transparent sacrificial layer that can be removed or reapplied as necessary to protect the paint underneath it. Ceramic coating is just harder and less porous than more conventional waxes, so it makes it more difficult for anything that settles on the paint to penetrate or even stick. We're talking things like airborne chemicals and pollutants, overspray of any type, tree sap, bird droppings, road or sea salt or the sun's relentless UV rays. Ceramic coating is the best chemical barrier against the harmful effects of multiple substances that can damage paint and diminish its appearance over the years, even moreso if your car lives outside. It will fill the role of sacrificial layer better than any carnauba or poly was and it can do so more economically.
That's because, thanks to silicon dioxide and all that molecular bonding, ceramics stay put a lot longer. A relatively inexpensive, easy application, ceramic spray can protect for a year or so. To maintain peak performance with a traditional wax-on, wax-off carnauba or poly coat, you'll need to lay down a new layer every three or four months. The manufacturers of some more expensive ceramic liquids warranty their product for two years. (We are not weighing in on how difficult or fruitful it might be to make a claim on those warranties.) We've known consumer-grade ceramic liquids that have lasted close to five years before their hydrophobic properties start to diminish. Detailing shops in urban areas around the country, including Motor City Auto Spas in greater Detroit, will guarantee their ceramic applications five, seven or 10 years, depending on the product used.
"We'll guarantee our top product for life, if the car is relatively new, with an annual inspection and detail," says Motor City founder and CEO Matt Lifter. "Short of the annual visits we'll guarantee seven years. Not even acidic solvents like wheel or brake-dust cleaners will take it off. It's really amazing stuff."
Mothers
Ceramic coating is more durable than wax or poly in another sense because it's much harder. That means it's more resistant to light scratches or paint swirls (those spiraling curves that can develop in clear coat after years of washing). Indeed, a ceramic-coated vehicle that's washed properly (no drive-thrus) is nearly immune to paint swirls.
We emphasize "resistant" above because no ceramic coating is scratch proof, even if some to the wildest marketing hype suggests that it might be. Drag a key along a door panel on a ceramic-coated car and the panel will definitely scratch. Throw pebbles at it hard and it will nick. Bottom line: Ceramic-coated cars are still susceptible to rock chips. Some road rash is still likely to build up over the miles and years.
If your overriding goal is preventing rock chips or road rash, better look past ceramic coating. In the current state of auto protection, that would mean looking toward transparent film or "wraps."
Not up to speed on wraps? Vinyl auto wrap is a blend of polyvinylchloride and additives that make it flexible and resistant to UV light and sometimes add color. The additives are blended, dropped onto moving sheets of PVC, then baked and cured. Transparent wrap is virtually invisible on your car's paint, except for barely perceptible edges where the wrap might end and give way to unprotected paint, and it provides an actual, physical cushioning barrier between the paint and whatever the road throws at it. Good wrap will self-heal, so if a high-velocity pebble takes a divot out of the protective barrier, light and heat will actually close and smooth it again.
Drexler
Wrap will get you closer to proofing your car from scratches, rock chips or road rash than any ceramic coating can. It is also considerably more expensive than ceramic (the product) and significantly more difficult to apply. While some brave amateurs have tried, we wouldn't think about doing this ourselves.
Before we get to the process of applying ceramic, there's one more myth to address: Yes, even with the best ceramic coating, you will still have to wash your car.
We're compelled to make this point because a lot of the hype out there seems to suggest you'll never have to wash your car again. We assure you you'll have to do it less often, but dirt, road salt and other appearance-marring substances will eventually build up on the ceramic. The good news, beyond the fact that you'll wash it less, is that your ceramic coated vehicle should be much easier to wash than it was before the ceramic coating: generally no repeated rubbing back and forth over sticky, embedded stuff (which is another reason ceramic can keep swirl marks to a minimum) and usually more like a wipe and rinse. Indeed, some ceramic manufactures promise that, with proper application and sufficient water pressure, anything on your paint will rinse off without rubbing. Finally, know that washing can still leave water spots on ceramic coated cars, depending on the mineral content in your water source. Always towel dry.
On to the work at hand.
Mothers
Layin' it down
Professional-grade ceramic coatings are usually thick, almost glue-like and often require more than one step in the curing process. Consumer-grade ceramics are generally more forgiving to apply, though the most durable can be tricky. If you've browsed our best list, you've seen that there are several types of over-the-counter ceramic coatings. Even the most modestly priced, easiest-to-apply ceramics should outperform comparably priced conventional waxes when it comes to protection and longevity.
Whichever you choose, you must understand the first rule of ceramic coatings (or conventional carnauba and poly waxes, for that matter): surface or paint preparation matters at least as much as the coating itself, and more so if the paint is in poor shape to begin with. The coating simply protects and shines whatever is underneath and it will last longest when its bond with the paint is strongest. Without any prep, you're going to make those scratches or tar flecks or bits of oxidation shine for a long time.
"I'd say on average, our prep is four to five hours," says Lifter, whose Motor City Auto Spa has been doing ceramic since the early days (ed. note: that's four or five hours from efficient, well-trained techs). "It's at least two or three times more time than the actual application. Sometimes the prep can take two full days, but we can't guarantee our product without it."
You can expect a detailing shop to undertake most or all of these steps in advance of applying ceramic coating: Washing the vehicle with an appropriate detergent and sometimes a power washer; "Claying" the paint from stem to stern, or rubbing it with soft clay slabs and a lubricating fluid to remove sap, tar and other substances from the clear coat's pores; Polishing with a compound and a power pad, which can be the trickiest part depending on the age and depth of the paint, to remove swirls, scratches and oxidation; Wiping with a chemical cleaner to remove the final vestiges of dust, grit, waxes or grease.
Mothers
Now, you can do all those things yourself, if you have the inclination and fortitude and the time. It's always worth it, even on a beater with decent paint. You have to decide what you're willing to try. If it's your baby, which only leaves the garage on nice days for car meets or weekend blasts, you probably need to suck it up and try the full Cleveland. It will pay big in the final results. If it's a car you use for track days or the 10-year-old Civic that gets you reliably and satisfyingly to work and the paint still looks good, you can get away with a clay and chemical wash.
If you lean toward the less-work end of the prep spectrum, we urge you to at least undertake the chemical wash (after a good water wash). Using a product like Mothers CMX Surface Prep is essentially like washing windows. You spray it on and wipe it off, and it leaves a squeaky, chemical-free foundation that will ensure a solid bond between the ceramic and the paint. If you're up to a little more elbow grease or have an easy oscillating buffer, try something like Mothers 3-in-1 Prep & Coat. It adds a light polishing compound, so the extra rubbing will take care of a lot of the swirls and light scratches and leave a nice, polished finish.
Given the steps in proper preparation, you might surmise that the best time to apply ceramic coating is when a car is brand new or nearly so. You'd be correct. New cars (for lack of wear) require the least amount of paint correction. Detail shops will often guarantee their ceramic coatings longest when they're applied to new vehicles. If your car is already a few years old, you've got what you got. Just remember that your final ceramic-coating results will be directly related to how well the paint is prepped.
When it's time to actually apply the coating, follow these general rules. Do not apply in direct sunlight, or to paint that's hot to the touch. Do it in a garage, if there is enough light, or borrow one of those cheap outdoor canopies, if that's the next best option. Zero dust is best, and nearly impossible to achieve short of full climate-control conditions, but keep that objective in mind as you set up to start coating. An ambient temperature of about 70 F is ideal; your specific product's instructions will give you a range of acceptable application temps.
Definitely read those instructions and watch the videos on your product manufacturer's website (if available). Time spent now will be time saved during the application, and it will likely improve the end results.
Mothers
Ceramic liquids are invariably what the pros use and typically have the highest silicon-dioxide concentration in consumer-grade coatings. Most come in kits with an applicator sponge and soft cloths to wrap it. Some come with microfiber towels for buffing. It never hurts to have extra application clothes.
To start, you'll wrap the applicator with one of the clothes and spot it with the ceramic coating, sometimes as little as several drops. Working in small areas, spread the coating as evenly as possible. Your product will have its own recommendation on "small," but it's not going to be more than two feet square. Over the next few minutes, depending on the product, the moisture in the ceramic will evaporate to a point where the surface gets a gleaming, almost oily look (sometimes called flashing). That's when you buff with a microfiber towel. When you're happy with what you see, start a new section.
Too little product will be better than too much. The typical 50 ml bottle of ceramic liquid can be enough for multiple cars and too much on the surface is a frequent cause of bad results. Change the applicator cloth and the polishing rags frequently, because if the coating hardens on the rags, it can definitely scratch the paint. If you have any hope of reusing the rags or applicators, throw them in a bucket of water to keep the ceramic from setting until you can wash them thoroughly.
Once you've made your way around your vehicle, leave it sitting out of the sun (and the rain) for as long as it takes for the ceramic to cure. Your product instructions will tell you specifically. Touch contact is typically allowed in 60 minutes to six hours. Liquid contact usually requires at least 24 hours, though it can take up to seven days.
Nasiol
"You've got to make sure the prep is good, but we already said that," veteran ceramic pro Lifter reminds home detailers. "Stay small [in the application area] as you progress, and don't think because you've successfully applied a couple small patches you can expand to bigger sections. Staying small is the best way to avoid high spots. We've had a few customers bring us messes because they lost track of that idea."
The worst-case outcome with consumer grade ceramic liquids is relatively rare, but it happens. It's usually the result of too much product applied in too big an area for the workable set time and is an uneven mess of ridges and cloudy high spots on the paint that is really, really hard to get off. Remember that this stuff is designed to last for years. The only options are looking at the mess every time you get in your car for years, or heading to a good detail or body shop, where a pro-skill polisher might get it off without wrecking the paint. That's going to cost you as much or more than what you hoped to save by applying the ceramic coating yourself.
If you're not willing to accept that risk, we suggest at least starting with one of our relatively inexpensive best ceramic sprays. The general rules are the same: Use it in the best conditions you can create, use less than you might think you need and work small. Thanks to the viscosity of the sprays, which sometimes include lubricants, and to the way they set up, they're loads more forgiving than most liquids. And they're easy enough that you can apply two or three layers in short order, as long as you respect the cure time.
Finally, whichever product you use, don't neglect your health and safety. These products are industrial-grade chemicals. You definitely want to avoid sucking the vapors into your lungs and you want to keep the liquid off your skin. Work in a well-ventilated space and wear a ventilator or a chemical mask (we should be used to masks by now). Definitely wear gloves (many kits include them); it's not a bad idea to wear a long-sleeve shirt, too.
Mothers
Are you ready?
There might be a couple big-picture questions to ponder before you tear into this ceramic coating thing. If you own multiple vehicles, which do you most want to protect as best you can? How much money do you have to spend on your cars?
If the answer to that second question is as much as you need to spend, have ceramic coating professionally applied. Or maybe think about a full wrap with transparent film. It will cost more than pro-applied ceramic, but it has advantages, as previously noted.
If you only have as much money to protect your paint as you can get away with, think creatively. Maybe you pay the pros for a limited wrap (say the front fascia, door sills and rear fender bulges) and put ceramic on everything including the wrap yourself. That might be your most efficient use of resources. Or maybe you just take a nice day and apply a relatively inexpensive ceramic spray.
Unless you have the full inventory of tools, climate-controlled car space, the right skills, years of experience and a lot of time, you will not get the same results and durability as a professional establishment applying high-grade ceramic coatings. What you can get is an awesome gloss that protects much better and lasts years longer than conventional carnauba or polymer auto waxes, for up to thousands less than you might pay the pros.
That's not bad at all.
Written by J.P. Vettraino for CNET Cars.
More car cleaning recommendations
Ceramic coating FAQs
What is ceramic coating and is it worth it?
Ceramic coatings, sometimes called nano-ceramic, quartz or silica coatings, were developed in the early part of the 21st century. They're applied to automobiles in very generally the same fashion as old-school liquid or paste waxes: spread on and buff. They universally contain silicon dioxide (SiO2), derived from quartz or sand. Over the years, some manufacturers have added other mineral compounds, including titanium dioxide (Ti02) or more complex silicon compounds such as silicon nitride (Si3N4 9) and silicon carbide (SiC). These compounds bond the coating at a molecular level to itself and the paint underneath, then cure to form a hard, hydrophobic layer on the paint. It's the primary reason ceramic coatings last.
Worth it? Loaded question, but yes, ceramic coatings are worth it. The least expensive consumer-grade ceramics don't cost much more than traditional waxes and don't take any longer to apply. Properly done, they'll work better and last longer.
How much does a ceramic coating cost?
It can be $1,000 or more when it's professionally applied by product-certified auto detailers. Consumer-grade ceramics can cost in excess of $100 for top-grade durability and performance and can be tricky to apply. Ultimate results are directly related to cost or time and energy invested, yet even the least expensive, easiest-to-apply ceramics (about $20) should out-perform conventional wax of a similar price.
Is ceramic coating easy to apply?
Yes, and no. Generally, the most protective and durable ceramic coatings are the most difficult or time consuming to apply and the trickiest. Experienced do-it yourself detailers shouldn't have too much trouble with any of them, but it takes work and occasionally disasters ensue. Easy ceramic sprays or hybrids are easier than traditional wax-on, wax-off sealants to apply. They'll shine at least as well as the conventional waxes, protect better and last longer.
Just remember: the ceramic coating will only shine and protect whatever is underneath it, so you can end up with some really shiny scratches and tar flecks. Final appearance and durability are directly related to the amount of paint prep that precedes the actual coating. If your paint is in reasonably good shape, we at least recommend a spay-and-wipe prep solution, which will remove old wax and chemical residue and ensure a solid foundation that maximizes the bond between the coating and paint.
How do I maintain a ceramic-coated car?
You wash it, until the coating's hydrophobic properties start to wane and that can be years. Washing will be easier than ever: You won't have to wash your vehicle as often as you did before the ceramic coating and you shouldn't need strong detergents. Ceramic coatings work partly because far fewer substances stick to them than to old-school carnauba or polymer waxes, sort of like Teflon on a frying pan. Those substances that do settle are much more easily removed.
You can use a wash detergent that's intended for ceramic coatings, or a spray refresher on the paint as you dry. Both can extend the life of the coating itself. Either way, your vehicle will look like you just polished it when you're done. You definitely don't need to wax it once the ceramic is applied. The ceramic coating replaces wax and provides all the gloss and protection you need.
How long does ceramic coating last?
Longer than conventional wax, in the worst case. Some professional auto detailers will guarantee their ceramic coatings for the life of the car. Pro-style consumer-grade ceramics can last five years or more, properly applied. Some manufacturers guarantee these for two or three years. The easiest spray-on ceramic coatings can last a year or so, depending on whether the vehicle lives outside and they're easily layered for more durability. Conventional carnauba or poly waxes typically need to be applied every three or four months.
Mortgage Interest Rates for Sept. 1, 2022: Rates Climb
Mortgage Interest Rates for Sept. 1, 2022: Rates Climb
Some important mortgage rates increased today. The average 15-year fixed and 30-year fixed mortgage rates both grew. For variable rates, the 5/1 adjustable-rate mortgage also floated higher.
Though mortgage rates have been rather consistently going up since the start of this year, what happens next depends on whether inflation continues to climb or begins to retreat. Interest rates are dynamic and unpredictable -- at least on a daily or weekly basis -- and they respond to a wide variety of economic factors. Right now, they're particularly sensitive to inflation and the prospect of a US recession. With so much uncertainty in the market, if you're looking to buy a home, trying to time the market may not play to your favor. If inflation rises and rates climb, this could translate to higher interest rates and steeper monthly mortgage payments. For this reason, you may have better luck locking in a lower mortgage interest rate sooner rather than later. No matter when you decide to shop for a home, it's always a good idea to seek out multiple lenders to compare rates and fees to find the best mortgage for your specific situation.
30-year fixed-rate mortgages
The average 30-year fixed mortgage interest rate is 5.95%, which is an increase of 3 basis points compared to one week ago. (A basis point is equivalent to 0.01%.) The most common loan term is a 30-year fixed mortgage. A 30-year fixed rate mortgage will usually have a smaller monthly payment than a 15-year one -- but usually a higher interest rate. You won't be able to pay off your house as quickly and you'll pay more interest over time, but a 30-year fixed mortgage is a good option if you're looking to minimize your monthly payment.
15-year fixed-rate mortgages
The average rate for a 15-year, fixed mortgage is 5.19%, which is an increase of 11 basis points from the same time last week. Compared to a 30-year fixed mortgage, a 15-year fixed mortgage with the same loan value and interest rate will have a higher monthly payment. But a 15-year loan will usually be the better deal, if you're able to afford the monthly payments. These include typically being able to get a lower interest rate, paying off your mortgage sooner, and paying less total interest in the long run.
5/1 adjustable-rate mortgages
A 5/1 ARM has an average rate of 4.42%, a climb of 9 basis points compared to a week ago. For the first five years, you'll usually get a lower interest rate with a 5/1 adjustable-rate mortgage compared to a 30-year fixed mortgage. But you could end up paying more after that time, depending on the terms of your loan and how the rate adjusts with the market rate. If you plan to sell or refinance your house before the rate changes, an adjustable-rate mortgage could make sense for you. If not, shifts in the market could significantly increase your interest rate.
Mortgage rate trends
Though mortgage rates were historically low at the beginning of 2022, they have been rising somewhat steadily since then. The Federal Reserve recently raised interest rates by another 0.75 percentage points in an attempt to curb record-high inflation. The Fed has raised rates a total of four times this year, but inflation still remains high. As a general rule, when inflation is low, mortgage rates tend to be lower. When inflation is high, rates tend to be higher.
Though the Fed does not directly set mortgage rates, the central bank's policy actions influence how much you pay to finance your home loan. If you're looking to buy a house in 2022, keep in mind that the Fed has signaled it will continue to raise rates, and mortgage rates could increase as the year goes on. Whether rates follow their upward projection or begin to level out hinges on if inflation actually slows.
We use data collected by Bankrate, which is owned by the same parent company as CNET, to track changes in these daily rates. This table summarizes the average rates offered by lenders across the country:
Current average mortgage interest rates
Loan type
Interest rate
A week ago
Change
30-year fixed rate
5.95%
5.92%
+0.03
15-year fixed rate
5.19%
5.08%
+0.11
30-year jumbo mortgage rate
5.94%
5.93%
+0.01
30-year mortgage refinance rate
5.92%
5.85%
+0.07
Updated on Sept. 1, 2022.
How to find personalized mortgage rates
When you are ready to apply for a loan, you can reach out to a local mortgage broker or search online. When researching home mortgage rates, take into account your goals and current financial situation. A range of factors -- including your down payment, credit score, loan-to-value ratio and debt-to-income ratio -- will all affect your mortgage interest rate. Generally, you want a higher credit score, a larger down payment, a lower DTI and a lower LTV to get a lower interest rate. Apart from the mortgage rate, additional costs including closing costs, fees, discount points and taxes might also impact the cost of your home. Be sure to comparison shop with multiple lenders -- including credit unions and online lenders in addition to local and national banks -- in order to get a mortgage that's the right fit for you.
What's the best loan term?
One important thing to consider when choosing a mortgage is the loan term, or payment schedule. The most common mortgage terms are 15 years and 30 years, although 10-, 20- and 40-year mortgages also exist. Mortgages are further divided into fixed-rate and adjustable-rate mortgages. For fixed-rate mortgages, interest rates are set for the life of the loan. Unlike a fixed-rate mortgage, the interest rates for an adjustable-rate mortgage are only set for a certain amount of time (commonly five, seven or 10 years). After that, the rate adjusts annually based on the current interest rate in the market.
One thing to think about when deciding between a fixed-rate and adjustable-rate mortgage is how long you plan on staying in your house. Fixed-rate mortgages might be a better fit if you plan on staying in a home for quite some time. Fixed-rate mortgages offer greater stability over time in comparison to adjustable-rate mortgages, but adjustable-rate mortgages might offer lower interest rates upfront. If you aren't planning to keep your new house for more than three to 10 years, though, an adjustable-rate mortgage might give you a better deal. The best loan term is entirely dependent on your personal situation and goals, so be sure to think about what's important to you when choosing a mortgage.
Mortgage interest rates april 7 2022 mortgage interest rates may 2022 interest rates mortgage rates today mortgage interest rates today interest rates for mortgages today current mortgage interest rates today interest rates for mortgages today mortgage interest rates today usa mortgage interest rate calculator mortgage interest deduction
Mortgage Interest Rates Today for Aug. 17, 2022: 30-Year Fixed Rate Eases
Mortgage Interest Rates Today for Aug. 17, 2022: 30-Year Fixed Rate Eases
Today rates followed a split path. While 15-year fixed mortgage rates saw an increase along with 5/1 adjustable-rate mortgages, interest rates on 30-year fixed-rate mortgages sank a bit.
Though mortgage rates have been rather consistently going up since the start of this year, what happens next depends on whether inflation continues to climb or begins to retreat. Interest rates are dynamic and unpredictable -- at least on a daily or weekly basis -- and they respond to a wide variety of economic factors. Right now, they're particularly sensitive to inflation and the prospect of a US recession. With so much uncertainty in the market, if you're looking to buy a home, trying to time the market may not play to your favor. If inflation rises and rates climb, this could translate to higher interest rates and steeper monthly mortgage payments. For this reason, you may have better luck locking in a lower mortgage interest rate sooner rather than later. No matter when you decide to shop for a home, it's always a good idea to seek out multiple lenders to compare rates and fees to find the best mortgage for your specific situation.
30-year fixed-rate mortgages
The average 30-year fixed mortgage interest rate is 5.54%, which is a decrease of 3 basis points from one week ago. (A basis point is equivalent to 0.01%.) Thirty-year fixed mortgages are the most frequently used loan term. A 30-year fixed rate mortgage will usually have a lower monthly payment than a 15-year one -- but often a higher interest rate. Although you'll pay more interest over time -- you're paying off your loan over a longer timeframe -- if you're looking for a lower monthly payment, a 30-year fixed mortgage may be a good option.
15-year fixed-rate mortgages
The average rate for a 15-year, fixed mortgage is 4.89%, which is an increase of 2 basis points from seven days ago. Compared to a 30-year fixed mortgage, a 15-year fixed mortgage with the same loan value and interest rate will have a larger monthly payment. But a 15-year loan will usually be the better deal, as long as you can afford the monthly payments. You'll most likely get a lower interest rate, and you'll pay less interest in total because you're paying off your mortgage much quicker.
5/1 adjustable-rate mortgages
A 5/1 adjustable-rate mortgage has an average rate of 4.21%, an increase of 2 basis points from the same time last week. You'll typically get a lower interest rate (compared to a 30-year fixed mortgage) with a 5/1 adjustable-rate mortgage in the first five years of the mortgage. But since the rate changes with the market rate, you might end up paying more after that time, as described in the terms of your loan. Because of this, an ARM could be a good option if you plan to sell or refinance your house before the rate changes. If not, shifts in the market may significantly increase your interest rate.
Mortgage rate trends
Though mortgage rates were historically low at the beginning of 2022, they have been increasing somewhat steadily since then. The Federal Reserve recently raised interest rates by another 0.75 percentage points in an attempt to curb record-high inflation. The Fed has raised rates a total of four times this year, but inflation still remains high. As a general rule, when inflation is low, mortgage rates tend to be lower. When inflation is high, rates tend to be higher.
Though the Fed does not directly set mortgage rates, the central bank's policy actions influence how much you pay to finance your home loan. If you're looking to buy a house in 2022, keep in mind that the Fed has signaled it will continue to raise rates, and mortgage rates could increase as the year goes on. Whether rates follow their upward projection or begin to level out hinges on if inflation actually slows.
We use data collected by Bankrate, which is owned by the same parent company as CNET, to track rate changes over time. This table summarizes the average rates offered by lenders across the country:
Current average mortgage interest rates
Loan type
Interest rate
A week ago
Change
30-year fixed rate
5.54%
5.57%
-0.03
15-year fixed rate
4.89%
4.87%
+0.02
30-year jumbo mortgage rate
5.53%
5.56%
-0.03
30-year mortgage refinance rate
5.50%
5.53%
-0.03
Updated on Aug. 17, 2022.
How to find personalized mortgage rates
You can get a personalized mortgage rate by reaching out to your local mortgage broker or using an online calculator. When researching home mortgage rates, consider your goals and current financial situation. Specific mortgage rates will vary based on factors including credit score, down payment, debt-to-income ratio and loan-to-value ratio. Generally, you want a good credit score, a larger down payment, a lower DTI and a lower LTV to get a lower interest rate. The interest rate isn't the only factor that affects the cost of your home — be sure to also consider additional factors such as fees, closing costs, taxes and discount points. Make sure you talk to multiple lenders -- like local and national banks, credit unions and online lenders -- and comparison shop to find the best loan for you.
What is a good loan term?
One important thing to consider when choosing a mortgage is the loan term, or payment schedule. The most common mortgage terms are 15 years and 30 years, although 10-, 20- and 40-year mortgages also exist. Mortgages are further divided into fixed-rate and adjustable-rate mortgages. The interest rates in a fixed-rate mortgage are fixed for the duration of the loan. Unlike a fixed-rate mortgage, the interest rates for an adjustable-rate mortgage are only stable for a certain amount of time (commonly five, seven or 10 years). After that, the rate fluctuates annually based on the market interest rate.
One important factor to take into consideration when choosing between a fixed-rate and adjustable-rate mortgage is how long you plan on living in your home. If you plan on staying long-term in a new house, fixed-rate mortgages may be the better option. Fixed-rate mortgages offer greater stability over time compared to adjustable-rate mortgages, but adjustable-rate mortgages might offer lower interest rates upfront. If you don't have plans to keep your new house for more than three to 10 years, though, an adjustable-rate mortgage may give you a better deal. There is no best loan term as a rule of thumb; it all depends on your goals and your current financial situation. It's important to do your research and know your own priorities when choosing a mortgage.
How much are closing costs on a new mortgage how much are closing costs for a mortgage how much are closing costs on a new mortgage how much should closing costs be for mortgage how much are mortgage closing costs in ny reverse mortgage closing costs refinance mortgage no closing costs what are closing costs for what are carbohydrates
What Are Closing Costs For a Mortgage and How Much Are They?
What Are Closing Costs For a Mortgage and How Much Are They?
When buying a new home, many people focus on how much of a down payment they'll need to secure a mortgage. But you also need to factor in the additional expenses that come with the transaction -- including closing costs.
Closing costs refers to the assortment of fees you must pay to your mortgage lender when closing on your home. They're due when you finalize your mortgage and take over the property title. They usually range from 2% to 5% of the amount you're borrowing, and will add up to thousands of dollars. Most are paid by the buyer, but the seller may be on the hook for a few charges, too.
Closing costs can be significant and should be included in your homebuying budget. Here's everything you need to know about closing costs, how much they will cost you and how to avoid any last-minute surprises when closing on your new home.
What are mortgage closing costs?
Closing costs refer to the upfront fees charged to secure a loan and transfer the ownership of a property, according to the Consumer Financial Protection Bureau. Sometimes they're referred to as settlement costs.
They cover a lot of behind-the-scenes transaction costs that your realtor, bank, title company, appraisers and document-drafting lawyers all need to be paid. Some common closing costs include title insurance, government taxes, appraisal fees, tax service provider fees and prepaid expenses, according to a list published by the Consumer Financial Protection Bureau.
The buyer usually ends up paying most of these costs -- but standard arrangements vary among states and from deal to deal. Sometimes, a buyer can negotiate to have the seller pick up some of the closing costs in exchange for a higher overall sale price, though in the current competitive housing market most buyers are picking up their own closing costs. Buyers may also have a lender chip in on closing costs, but that could result in a higher loan amount or interest rate.
What do closing costs pay for?
Your closing costs will depend on your particular transaction and can be impacted by interest rates, local insurance fees, tax rates, local appraisal fees and other factors. But here's a general breakdown of some of the common expenses covered by closing costs:
Title insurance: This protects lenders from financial losses stemming from problems related to a property title, such as liens or ownership conflicts.
Taxes: These could include the property tax on the home, local government fees -- such as one for recording the sale of the property -- and a tax for transferring the title from the seller to the buyer.
Appraisal fees: These are charged by an appraiser for coming to the property and assessing the home's value to determine an appropriate loan amount.
Tax service provider fees: These help pay for third parties to keep track of property tax payments and other tax monitoring duties.
Prepaid expenses: These are items like homeowners insurance, property taxes and interest until the first payment is due.
How much are closing costs?
Most lenders and industry watchers will tell you that your closing costs, on average, will cost you somewhere between 2% and 5% of the amount borrowed.
The national average closing costs for a single-family property were $6,905 in 2021, according to ClosingCorp, which analyzes closing cost data for the industry.
For a more specific estimate, we used a closing cost calculator from banking service BBVA to show what these fees might look like for a $250,000 loan. After entering a 20% down payment, 30 years for the term and a 4% interest rate, the total amount of closing costs was calculated at $7,042.
What are closing documents?
One of the key documents you'll get before the final signing is the closing disclosure, which outlines the details about your loan, including your closing costs. The lender should provide you with that document three business days before the scheduled loan closing.
It's important to review this document to make sure all the information is correct and that the terms of the loan are accurate and clear. This closing disclosure explainer can help you as you review the document. You want to make sure your closing costs match the most recent loan estimate.
Other important closing documents include:
Promissory note: A legal document stating that you will repay your mortgage.
Mortgage, security instrument or deed of trust: Gives the lender the right to take your property by foreclosure if you do not pay your mortgage according to the terms you've accepted.
Initial escrow disclosure statement: Details the charges that you pay into an escrow each month.
Right to cancel form: Outlines the rules for when and how you can cancel your loan, usually used as part of the refinancing process.
If you have questions about any of these, ask your lender, broker, or lawyer for help.
Are closing costs tax deductible?
The only closing costs you can deduct are the points you pay to reduce your mortgage interest rate and real estate taxes you're required to pay upfront, according to the IRS. If you itemize, you can deduct these costs during the year you buy your home.
The IRS also has a list of closing costs you can add to the basis of your home. They include things like legal fees, recording fees and surveys. Tax rules are always changing, which is why we advise talking to a tax professional about what you can and can't deduct from the closing of your house.
Tips and tricks for saving on closing costs
Saving all your cash for the down payment is a home buying mistake to avoid. Closing costs will run you thousands of dollars on top of your down payment, so you need to be prepared to save for them too.
"In a seller's market, we have offered to reimburse borrowers for their appraisal cost, have a network of title companies that will reduce title fees and provide grant programs for qualifying borrowers to cover down payment and some closing costs," says Steve Twyman, branch manager with Mortgage Experts. "There are options for lender credits as well."
It never hurts to ask the seller to pay for closing costs. "This is a common occurrence so don't feel shy about asking for this. Remember the worst that can happen is they can say no," says Orlando Miner, principal at Miner Capital Funding, LLC.
But again, this will be harder to negotiate when it's a seller's market, as it is right now in many regions of the US.
Keep in mind, the timing for closing on your house is also important because closing at the end of the month will save you on prepaid interest. "You have to pay prepaid interest from the date you close to the end of that month," says Miner. "So the closer you close to the end of the month, the less money you pay."
