Mortgage Rates Drop to Lowest Level in 2025

Core Insights - Freddie Mac reported that the average 30-year fixed-rate mortgage (FRM) is now at 6.15%, marking a decrease from 6.18% the previous week and down from 6.91% a year ago, indicating a positive trend for potential homebuyers as the new year approaches [1][6]. Group 1: Mortgage Rate Trends - The 30-year FRM averaged 6.15% as of December 31, 2025, down from 6.18% the previous week [6]. - The 15-year FRM averaged 5.44%, a decrease from 5.50% the prior week [6]. - Year-over-year, the 30-year FRM has decreased from 6.91% and the 15-year FRM from 6.13% [6]. Group 2: Freddie Mac's Mission - Freddie Mac's mission is to enhance liquidity, stability, and affordability in the housing market, supporting families in buying, renting, or maintaining their homes since 1970 [3].