The U.S. government has long been a major player in housing finance, mainly by providing the roughly $9 trillion market for agency-backed mortgage bonds with guarantees. - Getty Images President Donald Trump late Thursday revived a longstanding debate within the housing market about what tools the U.S. government should use to make home ownership more affordable. Trump, in a social-media post, said he directed his “representatives” to buy $200 billion in mortgage bonds. “This will drive Mortgage Rates DO ...

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Mortgage rates were down for the past week. According to Freddie Mac, the national average 30-year fixed mortgage this week was 6.15%, a new low for 2025. It topped 7% in January 2025. The 15-year fixed rate was 5.44%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.16% 20-year fixed: 5.93% 15-year fixed: 5.42% 5/1 ARM: 6.26% 7/1 ARM: 6.14% 30-year VA: 5.58% 15-year VA: 5.08% 5/1 VA: 5.24% Remember, these are national averages ...

Long-term mortgage rates reached its lowest level of 2025 in the last week of the year, the latest Freddie Mac (FMCC) Primary Mortgage Survey showed. 30-year fixed-rate mortgages averaged 6.15% as of December 31, 2025, down from 6.18% last week and 6.91% in the same period ...

Core Insights - Mortgage rates have reached a new low for 2025, with the average 30-year mortgage rate at 6.15% and the 15-year rate at 5.44%, providing potential homebuyers with renewed momentum as they approach 2026 [1][2]. Group 1: Mortgage Rate Trends - The average 30-year fixed-rate mortgage started the year near 7% but has now dropped to its lowest level in 2025, indicating a positive shift for homebuyers [3]. - Mortgage rates have shown a significant decline in the second half of the year, stabilizing around 6.2% since mid-September, which has encouraged more buyers and sellers to enter the market [2][4]. Group 2: Market Activity and Predictions - Housing contract activity saw an unexpected increase of over 3% in November, suggesting that lower mortgage rates are beginning to improve market conditions [3]. - Economists predict that mortgage rates will average around current levels in the coming year, with modest home price growth, potentially aiding the recovery of the housing market [4]. - If the current momentum continues into the peak buying season of 2026, stronger sales figures are anticipated compared to much of 2025 [5].

Mortgage rates will ring out 2025 hitting a new low. According to Freddie Mac, the average 30-year fixed rate is 6.15%, down three basis points. Meanwhile, the 15-year fixed home loan rate fell six basis points to 5.44%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.97% 20-year fixed: 5.95% 15-year fixed: 5.42% 5/1 ARM: 5.83% 7/1 ARM: 5.97% 30-year VA: 5.42% 15-year VA: 4.99% 5/1 VA: 5.12% Remember, these are the national av ...

Core Insights - Mortgage interest rates are currently declining, with the average rate on a 30-year fixed mortgage at 6.21% as of December 18, 2025, down from over 6.74% the previous year [2] - Homeowners are encouraged to consider mortgage rate modifications as a way to lower monthly payments without the need for full refinancing [2][3] Group 1: Mortgage Rate Modifications - Mortgage rate modifications allow borrowers to adjust the interest rate on their existing loan, which can lead to lower monthly payments and reduced interest over the loan's life [3] - These modifications are often associated with loan modifications aimed at preventing default or foreclosure, but some lenders may proactively offer them when market rates drop [4] - Homeowners should understand their existing loan terms, including interest rates and any clauses related to modifications, before approaching their lender [4] Group 2: Research and Negotiation - Researching current mortgage rates can enhance a homeowner's negotiating position when discussing modifications with lenders [6] - Borrowers who obtain multiple quotes from different lenders can save between $600 and $1200 annually compared to those who refinance with their current lender, leading to significant long-term savings [5] - Demonstrating a good credit score and a history of on-time payments can make lenders more willing to accommodate requests for rate modifications [6]

Mortgage rates are beginning the holiday week close to where they've been for about two months. According to Zillow data, the 30-year fixed mortgage rate is 6.01%, and the 15-year fixed rate is 5.47%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.01% 20-year fixed: 5.93% 15-year fixed: 5.47% 5/1 ARM: 6.11% 7/1 ARM: 6.34% 30-year VA: 5.59% 15-year VA: 5.19% 5/1 VA: 5.24% Remember, these are the national averages and rounded t ...

Core Insights - Current average mortgage rates show a slight decrease, with the 30-year fixed rate at 6.11% and the 15-year fixed rate at 5.50% [1][15] - The mortgage market is experiencing calm rates, allowing borrowers to compare offers from multiple lenders [1] Mortgage Rates Overview - The national average mortgage rates are as follows: - 30-year fixed: 6.11% - 20-year fixed: 6.03% - 15-year fixed: 5.50% - 5/1 ARM: 6.19% - 7/1 ARM: 6.35% - 30-year VA: 5.56% - 15-year VA: 5.31% - 5/1 VA: 5.44% [4] Refinance Rates - Current mortgage refinance rates are generally higher than purchase rates, but specific rates are not detailed in the provided data [3] Adjustable-Rate Mortgages (ARMs) - ARMs offer lower initial rates compared to fixed-rate mortgages, but they come with the risk of rate increases after the introductory period [12][13] - The 5/1 ARM locks in the rate for the first five years, after which it adjusts annually [12] Economic Outlook - Economists predict that significant drops in mortgage rates are unlikely before the end of 2026, despite recent cuts to the federal funds rate [17] - Mortgage rates have been stable, with a slight overall decrease observed in recent months, remaining about half a point lower than a year ago [18]

Mortgage rates were unchanged this week, with the 30-year fixed rate again averaging 6.30%, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year 6.30% 6.32% 6.94% 6.68% 6.25% 15-year 5.57% 5.57% 6.16% 5.89% 5.50% 30-year jumbo 6.49% 6.47% 6.94% 6.73% 6.31% The 30-year fixed mortgages in this week’s survey had an average total of 0.34 discount and origination poin ...