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News for: Mortgage Rates
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Dec 24, 2025 9:30 AM
— Mortgage Rates
When will mortgage rates go down? Rates are holding steady to close out the year.
Mortgage rates have not changed significantly since the Fed cut the federal funds rate in December. The 30-year fixed-rate is currently at 6.18%, down from 6.85% the previous year. Experts predict only a slight decrease in rates in 2026. While mortgage rates follow the fed funds rate, they are more closely tied to the 10-year Treasury yield. The housing market is facing high demand and low supply,... more
Dec 24, 2025 9:30 AM
— Mortgage Rates
Average US long-term mortgage rate ticks down to 6.18% this week
The average rate on a 30-year U.S. mortgage decreased slightly, remaining within a narrow range for the past two months. Mortgage rates are influenced by factors such as the Federal Reserve's interest rate decisions and bond market expectations. Home listings have increased, with sellers lowering prices as homes take longer to sell, but affordability remains a challenge for many buyers.
Dec 24, 2025 9:30 AM
— Mortgage Rates
Merry Christmas: 30-year mortgage rates dip lower
Mortgage rates slightly decreased in the last week as new economic data presented mixed signals. The 30-year rate fell to 6.18% while the 15-year rate rose to 5.5%. Despite the slight decrease, rates are expected to remain stable through the end of the year due to lighter holiday trading. Mortgage applications for purchases and refinancing are also decreasing as the year comes to a close.
Dec 24, 2025 9:01 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 24: All is calm
The article discusses the current mortgage rates and refinancing rates provided by Freddie Mac and Zillow, covering 30-year fixed, 20-year fixed, 15-year fixed, 5/1 ARM, 7/1 ARM, and VA loans. It compares the pros and cons of various mortgage types like 30-year fixed, 15-year fixed, and adjustable-rate mortgages, noting how interest rates and term lengths impact monthly payments. Additionally, it ... more
Dec 24, 2025 7:30 AM
— Mortgage Rates
Top 5 lenders remain in the 5% range: Mortgage lenders with the best rates this week, Dec. 22-28, 2025
Top five mortgage lenders are offering rates in the upper-5% range according to a survey by Yahoo Finance, with Citi Mortgage leading at 5.755%. Mortgage rates vary significantly between lenders with a potential savings of over $220 a month and $80,000 in interest over the life of the loan. It's important to focus on the APR which includes both interest rates and lender fees for an accurate compar... more
Dec 24, 2025 4:34 AM
— Mortgage Rates
MBA forecasts slow 2026 growth amid inflation, rate hikes
The Mortgage Bankers Association predicts U.S. economic growth to slow to 1.6% in 2025 due to inflation and interest rates. There is a 35% chance of a recession, but mortgage rates are expected to stabilize. Despite this, market trends like a softening job market and elevated inventories are impacting application volumes.
Dec 24, 2025 4:31 AM
— Mortgage Rates
30-year mortgage rates decrease - How long should buyers wait? | Today's mortgage and refinance rates, December 23, 2025
Mortgage rates were mostly lower compared to last week, with 30-year fixed, 15-year fixed, and 5/1 ARM rates decreasing, while jumbo loan rates increased. The Federal Reserve cut interest rates by a quarter point, with inflation and the job market being key concerns. Today's average 30-year fixed mortgage rate is 6.30 percent.
Dec 24, 2025 4:31 AM
— Mortgage Rates
Mortgage rates hold steady after Fed rate cut
The article discusses the current state of mortgage rates, the relationship between economic news and mortgage rates, and predictions for future mortgage rates. It highlights the national median family income, home prices, and the impact of good economic news on mortgage rates. Various experts give their opinions on the future of mortgage rates, with some predicting a decrease while others expect ... more
Dec 24, 2025 4:30 AM
— Mortgage Rates
AI, Cap Mkts Tools; Delinquencies Increasing; loanDepot Case Ethics Motion; Bill Dawley Interview
The article discusses the impact of recent events on mortgage rates, including the Federal Reserve's actions, Freddie and Fannie purchasing securities, and GSE MBS purchases. It also touches on the use of AI in mortgage technology and a case development involving loanDepot. Additionally, it mentions a rise in mortgage delinquencies and trends seen by loan officers in 2025.
Dec 23, 2025 1:30 PM
— Mortgage Rates
Mortgage Rates Ultimately Unchanged After Starting Higher
Mortgage rates have remained stable in a narrow range for the past 4 months, including during December. Today, rates ended unchanged despite initially rising due to stronger GDP numbers for Q3. However, this increase was short-lived and attributed to holiday week trading with lower participation leading to increased volatility. Tomorrow's rates are expected to be heavily influenced by holiday trad... more
Dec 23, 2025 11:32 AM
— Mortgage Rates
Mortgage rates dip, experts see steady 2026 ahead
Mortgage rates decreased in 2025 and are expected to remain steady into 2026. Lenders attribute this to Fed policy and market competition. Rates for 30-year conventional fixed loans averaged 6.24% and 6.37% across different sources. Industry experts are optimistic about growth in 2026 despite market trends impacting application volumes.
Dec 23, 2025 11:07 AM
— Mortgage Rates
Has the 30-year mortgage run its course?
The U.S. housing finance system's use of 30-year, fixed-rate mortgages sets it apart from other countries where shorter-term, adjustable-rate products are more common. The stability of the 30-year loan has led to long-term homeownership and wealth accumulation for many households, but it can also limit mobility during economic downturns. Despite the low mortgage rates brought by the pandemic, home... more
Dec 23, 2025 7:38 AM
— Mortgage Rates
Mortgage Rates Rise, GDP Higher-Than-Expected | Today, December 23, 2025
Mortgage rates increased for the second day in a row due to higher Treasury yields. Despite this, it may still be a good time to refinance or buy a home by negotiating rates or seeking financial assistance programs. The average 30-year fixed mortgage rate was at 6.30%, and the 15-year fixed rate was at 5.67%. ARM rates were at 5.65%. Economic reports showed a growth in GDP and a decline in consume... more
Dec 23, 2025 7:32 AM
— Mortgage Rates
Dec. 23: IMBs wanted; HELOC (poem), AI POS, cap mkts tools; delinquencies increasing; loanDepot case ethics motion; Bill Dawley interview
The article discusses how recent actions by Freddie, Fannie, and GSEs in purchasing mortgage-backed securities have not significantly impacted mortgage rates. It questions whether these purchases truly lead to lower borrowing costs and suggests that market-driven factors have a stronger influence on rates. The article also mentions a company seeking IMB partners for succession planning in the mort... more
Dec 23, 2025 5:30 AM
— Mortgage Rates
Current refi mortgage rates report for Dec. 23, 2025
The average refinance rate for a 30-year, fixed-rate home loan is 6.20%. Despite hopes for decrease, rates remained near 7% following the Federal Reserve's cuts. Refinancing can allow homeowners to tap into home equity, change loan types, or switch loan terms. Costs for refinancing typically range from 2% to 6% of the loan amount.
Dec 23, 2025 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 23, 2025: Substantially unchanged
The article discusses the current mortgage rates for purchase and refinance, provides examples of different mortgage amounts and terms, explains the difference between fixed-rate and adjustable-rate mortgages, and gives insights on how economists expect mortgage rates to change in the coming years.
Dec 22, 2025 4:32 PM
— Mortgage Rates
Tuesday: GDP, Durable Goods, Industrial Production, Richmond Fed Mfg
Mortgage rates remained unchanged at the beginning of the holiday-shortened week.
Dec 22, 2025 12:30 PM
— Mortgage Rates
Mortgage Rates Hold Steady to Start Holiday-Shortened Week
Mortgage rates remained unchanged today as bonds were close to previous levels. Rates have stayed within a narrow range for the past 4 months. It is expected that significant changes in rates may be hard to come by over the next 2 weeks due to reduced bond market activity. However, more meaningful movement is anticipated once major economic data starts being released in January, especially with th... more
Dec 22, 2025 10:30 AM
— Mortgage Rates
Current refi mortgage rates report for Dec. 22, 2025
The article discusses the current average refinance rate on a 30-year fixed-rate home loan, the process of refinancing a mortgage, reasons to refinance, and common refi options. It also mentions that mortgage rates remained high but started trending downward in late 2025, leading more homeowners to consider refinancing.
Dec 22, 2025 8:31 AM
— Mortgage Rates
30-year mortgage rates decrease - When should you lock? | Today's mortgage and refinance rates, December 22, 2025
National mortgage rates were split, with two loan products increasing and two decreasing. Inflation rose at a 2.7% annualized rate, influencing Treasury yields and mortgage rates. The Federal Reserve cut interest rates for the third time in a row. Mortgage rates as of 12/22/2025 vary, with average rates for 30-year fixed, 15-year fixed, 5/1 ARM, jumbo, and 30-year fixed-refinance mortgages listed.... more
Dec 22, 2025 7:53 AM
— Mortgage Rates
Mortgage Rates Up Slightly Over Weekend | Today, December 22, 2025
Mortgage rates have slightly increased over the weekend but are still within a tight range. Negotiating and exploring financial assistance programs can help buyers achieve lower rates. The average rates for 30-year fixed, 15-year fixed, and 5/1 adjustable mortgages are provided along with expert predictions about their stability. Economic reports for the week are minimal, with most likely focusing... more
Dec 22, 2025 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 22, 2025: Stability makes rates easy to shop for
Mortgage rates have been stable recently, with the 30-year fixed rate at 6.03% and the 15-year fixed rate at 5.42%. Different types of mortgage rates, including VA and ARM rates, are also provided. The article discusses the advantages of 15-year vs. 30-year mortgages, and adjustable-rate mortgages. It also mentions factors affecting mortgage rates and how to secure lower rates, such as down paymen... more
Dec 22, 2025 7:30 AM
— Mortgage Rates
When will mortgage rates go down? Looking ahead to 2026.
The article discusses how mortgage rates have barely moved despite recent Fed rate cuts and are expected to decrease only slightly in 2026. It explains the impact of Fed rate cuts on mortgage rates and the influence of the 10-year Treasury yield on mortgage rates. It also emphasizes that waiting for mortgage rates to hit a specific number may not be worth it due to the interaction of various facto... more
Dec 22, 2025 4:35 AM
— Mortgage Rates
Mortgage payments decrease slightly in November
In November, homebuyer affordability improved as the median mortgage payments slightly decreased, driven by lower mortgage rates and strong household earnings growth. The Mortgage Bankers Association's index shows a sixth consecutive monthly improvement.
DISCLAIMER: LoanGlass (previously known as mortgage-rates.ai) is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. LoanGlass is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 800 lenders. LoanGlass does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 800 lenders. LoanGlass does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@loanglass.com.
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.