Core Insights - Mortgage rates are currently stable, with the average 30-year fixed mortgage rate at 6.09%, the lowest in three years, but have slightly increased by 10 basis points recently [3][11] - The Federal Reserve is expected to maintain interest rates, but mortgage rates are influenced by a variety of factors beyond the Fed's decisions [4][11] - The bond market, particularly the 10-year Treasury yield, is the primary driver of 30-year mortgage rates, making them less predictable around Fed meetings [8][10] Mortgage Rate Trends - The average 30-year mortgage rate has seen fluctuations, with a notable increase of almost 1.25 percentage points following a Fed rate cut in late 2024, illustrating the complex relationship between Fed actions and mortgage rates [9][10] - Fannie Mae projects that 30-year mortgage rates will remain relatively stable, with a slight decrease from 6.1% to 6.0% expected through 2026 [13] Homebuyer Guidance - Timing the mortgage market is challenging, as rates can change for reasons unrelated to Fed decisions; buyers are advised to act when financially ready rather than waiting for a specific rate drop [12][15] - Existing homeowners with high mortgage rates (7% or 8%) may consider refinancing, but should evaluate the costs against potential savings to determine if it is worthwhile [14]

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