Core Insights - Current mortgage rates have decreased significantly, with the average 30-year fixed mortgage rate at 5.95%, down 53 basis points from early August, and the 30-year refinance rate at 6.07%, down 51 basis points since August, indicating a potential opportunity for homebuyers and those looking to refinance [1] Current Mortgage Rates - The national average 30-year fixed mortgage rate is 5.95% and the average 15-year mortgage rate is 5.43% [17][18] - The average 30-year refinance rate is 6.07% [5] Mortgage Payment Calculations - For a $300,000 mortgage at a 30-year term with a 5.95% rate, the monthly payment would be approximately $1,789, resulting in $344,047 in interest over the loan's life [9] - For the same mortgage amount at a 15-year term with a 5.43% rate, the monthly payment would increase to $2,440, with total interest paid being $139,222 [9] Fixed vs. Adjustable-Rate Mortgages - Fixed-rate mortgages lock in the interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [10][11] - Some recent fixed rates have started lower than adjustable rates, suggesting a need for careful consideration when choosing between the two [12] Factors for Obtaining Low Mortgage Rates - Lenders typically offer lower rates to borrowers with higher down payments, excellent credit scores, and low debt-to-income ratios [13] - Focusing on personal finances rather than waiting for rates to drop is recommended for securing a lower mortgage rate [14] Choosing a Mortgage Lender - It is advisable to apply for mortgage preapproval with multiple lenders within a short time frame to facilitate accurate comparisons [15] - When comparing lenders, the annual percentage rate (APR) should be considered as it reflects the true annual cost of borrowing, including interest rates and fees [16]

Core Insights - The national average mortgage rates are currently favorable for many buyers and refinancers, with the average 30-year fixed mortgage rate at 5.91% and the 15-year fixed rate at 5.44% [1][16][17] Current Mortgage Rates - The average 30-year fixed mortgage rate is 5.91% and the 15-year fixed rate is 5.44% [1][16] - Other mortgage rates include: - 20-year fixed: 5.86% - 5/1 ARM: 5.93% - 7/1 ARM: 6.04% - 30-year VA: 5.50% - 15-year VA: 5.13% - 5/1 VA: 5.16% [4] Mortgage Refinance Rates - Current mortgage refinance rates are generally higher than purchase rates, but specific rates were not detailed in the provided content [3] Mortgage Payment Calculations - For a $300,000 mortgage: - 30-year term at 5.91% results in a monthly payment of approximately $1,781 and total interest of $341,279 over the loan's life - 15-year term at 5.44% results in a monthly payment of approximately $2,442 and total interest of $139,508 [8] Fixed vs. Adjustable-Rate Mortgages - Fixed-rate mortgages lock in the interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [9][10] - ARMs typically start with lower rates but can increase after the initial period [11] Strategies for Lower Mortgage Rates - To secure lower mortgage rates, borrowers should aim for higher down payments, excellent credit scores, and low debt-to-income ratios [12] - Waiting for rates to drop may not be the best strategy; focusing on personal finances is recommended [13] Choosing a Mortgage Lender - It is advisable to apply for mortgage preapproval with multiple lenders within a short time frame to facilitate accurate comparisons [14] - When comparing lenders, the annual percentage rate (APR) should be considered as it reflects the true cost of borrowing [15] Future Rate Expectations - Forecasts indicate that the 30-year mortgage rate may remain around 6.1% through 2026, with predictions from Fannie Mae suggesting a rate near 6% by the end of the year [18]

Mortgage Rates Overview - The average 30-year fixed mortgage rate is currently at 5.91%, while the 15-year fixed rate is at 5.44% [1][5] - Zillow's reported rates are generally lower than those from Freddie Mac due to different survey methodologies [1][18] Current Mortgage Rates - Current national average mortgage rates include: - 30-year fixed: 5.91% - 20-year fixed: 5.86% - 15-year fixed: 5.44% - 5/1 ARM: 5.93% - 7/1 ARM: 6.04% - 30-year VA: 5.50% - 15-year VA: 5.13% - 5/1 VA: 5.16% [5] Mortgage Refinance Rates - Today's mortgage refinance rates are typically higher than purchase rates, although this is not always the case [3] Market Trends - Mortgage rates have been gradually decreasing since the end of May last year, with the 30-year fixed rate peaking over 7% in January 2025 before declining [20] - Predictions indicate that the 30-year mortgage rate will remain near 6.1% through 2026, with Fannie Mae forecasting a rate near 6% by the end of the year [19] Buying Considerations - The current housing market is more favorable for buyers compared to the previous years, as home prices are stabilizing and mortgage rates have decreased [16] - The best time to buy a house is when it aligns with personal circumstances rather than trying to time the market [17]

The Seattle-based real estate company said the cuts — which represent about 2% of Zillow's overall headcount — were part of the annual review process. ...

The most talked about and market moving research calls around Wall Street are now in one place. Here are today's research calls that investors need to know, as compiled by The Fly.Top 5 Upgrades: Barclays upgraded Zillow Group (ZG) to Equal Weight from Underweight with a price target of $72, up from $66. The firm believes a lot of downside risks are priced into shares. Rosenblatt upgraded Fortinet (FTNT) to Buy from Neutral with a price target of $100, up from $85, ahead of the Q4 report on February 5. ...

Mortgage rates are near recent lows. According to Zillow, the average 30-year fixed rate is down four basis points to 5.93%. Meanwhile, the 15-year fixed home loan rate is holding steady at 5.47%. Zillow compiles rates from those offered in its lender marketplace. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.93% 20-year fixed: 5.89% 15-year fixed: 5.47% 5/1 ARM: 6.00% 7/1 ARM: 6.12% 30-year VA: 5.51% 15-year VA: 5.21% 5/1 VA: ...

Mortgage rates are near recent lows. According to Zillow, the average 30-year fixed rate is down four basis points to 5.93%. Meanwhile, the 15-year fixed home loan rate is holding steady at 5.47%. Zillow compiles rates from those offered in its lender marketplace. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.93% 20-year fixed: 5.89% 15-year fixed: 5.47% 5/1 ARM: 6.00% 7/1 ARM: 6.12% 30-year VA: 5.51% 15-year VA: 5.21% 5/1 VA: ...

There are a handful of housing markets across the Midwest and the Sun Belt that have more available inventory, partly due to a boost in new construction, giving buyers more choices and negotiating power. Taking the top spot on Zillow's list of the metros with the most buyer-friendly housing conditions in 2026 is Indianapolis. The Indiana capital was ranked No. 1 among 50 metros analyzed by Zillow. Atlanta, Charlotte, Jacksonville and Oklahoma City rounded out the top five most buyer-friendly housing markets ...

Mortgage rates have stepped slightly higher from recent lows. The average 30-year fixed rate, according to data compiled from the lender marketplace of Zillow, is now 6.00%. The 15-year fixed rate currently sits at 5.50%. It could be a great time to buy a house or refinance your existing mortgage. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.00% 20-year fixed: 5.98% 15-year fixed: 5.50% 5/1 ARM: 6.15% 7/1 ARM: 6.35% 30-year VA: ...

Current mortgage rates have leveled out. According to Zillow, the average 30-year fixed mortgage rate is now 6.00%. The 15-year fixed rate now sits at 5.50%. Since these are national averages, you may qualify for an even lower rate. Shop with a few mortgage lenders to find the best rate offer. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.00% 20-year fixed: 5.98% 15-year fixed: 5.50% 5/1 ARM: 6.15% 7/1 ARM: 6.35% 30-year VA: 5.54 ...