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News for: Interest Rates
Showing 25 - 48 of 314 results
Dec 8, 2025 12:30 AM
— Interest Rates
Current mortgage rates report for Dec. 8, 2025: Rates hold steady with Fed meeting on horizon
The article discusses the average interest rates for 30-year fixed-rate conforming mortgage loans in the U.S., how they have changed over time, and factors influencing them. It also highlights the impact of economic conditions, the Federal Reserve's actions, historical context, and ways for borrowers to get the best mortgage rates.
Dec 6, 2025 4:32 AM
— Interest Rates
What are today's mortgage interest rates: December 5, 2025?
Mortgage interest rates have been gradually declining in December 2025, with the average rate on a 30-year term being 5.99% and the average rate on a 15-year term being 5.37%. Refinancing rates have also decreased, with a 30-year term at 6.62% and a 15-year term at 5.51%. Waiting for a potential Federal Reserve interest rate cut on December 10 may further reduce mortgage rates, but current rates a... more
Dec 4, 2025 7:30 PM
— Interest Rates
The Fed may cut interest rates next week. Here's what happened to mortgage rates the last two times it did that.
Anticipation over a Federal Reserve interest rate cut is increasing due to rising unemployment numbers and private-sector job losses. Homebuyers are looking forward to potential lower mortgage interest rates if the Fed cuts rates. Previous rate cuts have led to temporary decreases in mortgage rates before returning to lows right before the next cut. Buyers should monitor mortgage rate climate clos... more
Dec 4, 2025 4:41 PM
— Interest Rates
Lawmakers caution CFPB closure could upend benchmark mortgage rates
Four U.S. senators warned acting director Russell Vought against shuttering the CFPB, as it could disrupt the issuance of benchmark mortgage rates that lenders rely on daily. They expressed concerns that stopping the publication of APOR tables could impact loans to lower-income borrowers and skew the cost of homeownership. Vought had initially closed the agency but backtracked on shutting it down.
Dec 3, 2025 8:30 AM
— Interest Rates
Lower rates would likely eliminate the need for 50-year mortgage, Treasury adviser says
Joseph Lavorgna, a counselor to U.S. Treasury Secretary Scott Bessent, stated that lower interest rates could eliminate the need for a 50-year mortgage proposed by the Federal Housing Finance Agency to lower monthly mortgage payments. Lavorgna mentioned that the housing market's main issue is high interest rates due to the Federal Reserve's cautious approach to lowering them.
Dec 2, 2025 7:30 AM
— Interest Rates
Why mortgage rates could drop before the December Fed meeting
Mortgage interest rates have been volatile in recent years, going from record lows to surging highs and then steadily declining. Anticipation is growing for an interest rate cut in December 2025, with mortgage rates potentially dropping even before the official announcement. Mortgage lenders may start lowering rates in advance of the Fed meeting, as has been seen in recent history. Homebuyers are ... more
Dec 1, 2025 3:32 PM
— Interest Rates
Chase offers Cyber Monday refinance rate discount
Chase Home Lending is offering a limited-time interest rate discount for refinance mortgages from Dec. 1 to Dec. 14, with savings varying by product and location.
Dec 1, 2025 8:30 AM
— Interest Rates
Will mortgage interest rates drop this December? Everything to consider now
There is a high likelihood of a Fed rate cut in December, which could lead to a drop in mortgage interest rates. However, the exact impact on mortgage rates is uncertain, as they do not always align neatly with Fed rate cuts. Other factors, like the 10-year Treasury yield and personal creditworthiness, also play a role in determining mortgage offers. Buyers and owners looking to refinance should m... more
Dec 1, 2025 5:30 AM
— Interest Rates
Gold price today, Monday, December 1: Gold rises above $4,200 as Bitcoin, stock futures decline
Gold futures opened lower on Monday but rose slightly in early trading. The surge in gold prices coincided with declines in cryptocurrencies and stock futures, indicating investors may be de-risking their portfolios. The Fed is expected to decrease interest rates by a quarter-point next week, which could benefit gold prices by reducing income available from competing assets. The spot price of gold... more
Dec 1, 2025 2:30 AM
— Interest Rates
Treasuries Decline as Japanese Bond Selloff Goes Global
Treasuries started the week with a slide due to a rise in Japanese debt yields, leading to global bond market reactions. The prospect of a Bank of Japan interest-rate hike pushed up rates on bonds worldwide. Traders in US debt are closely monitoring BOJ policy, as higher rates in Japan may keep more funds domestically. US yields are fluctuating around 4% on expectations of Federal Reserve rate cut... more
Dec 1, 2025 12:30 AM
— Interest Rates
Silver Trades Near Record High on Tight Supply, Rate-Cut Hopes
Silver prices have surged to record highs due to ongoing supply tightness in the market. The metal has doubled in value this year and is outperforming gold. The flow of silver into London has eased a historic squeeze, but inventories in other centers like Shanghai are low. Speculation on a quarter-point rate cut by the Federal Reserve in December has also boosted both gold and silver prices.
Dec 1, 2025 12:30 AM
— Interest Rates
Current mortgage rates on December 1, 2025
The article discusses the average interest rates for 30-year fixed-rate conforming mortgage loans in the U.S., mentioning a recent decrease in rates after the Federal Reserve reduced the federal funds rate twice in 2025. The historical context of mortgage interest rates is provided, showing comparisons over different decades, along with factors influencing mortgage rates like inflation, national d... more
Nov 30, 2025 8:30 AM
— Interest Rates
What To Expect For Mortgage Rates In 2026
Mortgage rates have fallen in 2025, with a 30-year mortgage going from 6.91% to 6.23% in late November. Further cuts in interest rates by the Federal Reserve are expected in 2026, but it may not necessarily bring mortgage costs down unless the Fed cuts more than anticipated. Economic conditions, including the U.S. jobs market and potential Fed decisions, will play a key role in impacting borrowing... more
Nov 27, 2025 4:30 AM
— Interest Rates
3 smart mortgage moves to make before a December Fed rate cut
The article discusses the increasing likelihood of a third Federal Reserve rate cut of the year, potentially happening in December. This rate cut could lead to further decreases in mortgage interest rates, creating new opportunities for homebuyers. The article also provides three steps for buyers to take advantage of these potential changes, including reviewing their credit report, researching mor... more
Nov 26, 2025 4:36 AM
— Interest Rates
Mortgage prepayments hit 3.5-year high as rates fall in October
Mortgage prepayments hit a 3.5-year high in October due to lower interest rates prompting more refinancing. The single-month mortality rate rose to 1.01% from a year earlier. Mortgage applications increased slightly despite higher rates, driven by government purchase loan applications.
Nov 25, 2025 5:31 PM
— Interest Rates
30-year mortgage rates rise - Should you wait? | Today's mortgage and refinance rates, November 21, 2025
Mortgage interest rates have increased recently, following the Federal Reserve Board's decision to lower the benchmark rate. The reopening of the U.S. government is expected to lead to delayed economic reports that could affect the market. Weak economic data may result in dropping mortgage rates. Fluctuations in the stock market also impact rates, with recent movements pushing investors towards le... more
Nov 24, 2025 4:31 AM
— Interest Rates
Mortgage demand faces interest rate headwinds
Mortgage demand decreased as interest rates rose for the third consecutive week. The refinance index fell, purchase index dropped, and potential homebuyers are being deterred by higher rates.
Nov 24, 2025 4:30 AM
— Interest Rates
Gold price today, Monday, November 24: Gold holds below $4,100 despite rising hopes for rate reduction
Gold futures opened lower on Monday compared to Friday, remaining below $4,100 since Nov. 19. Interest rate outlook influences pricing for gold, as traders predict a rate reduction by the Fed in December. Interest rates affect gold demand as it competes with yield-bearing assets. The article explains the differences between gold spot prices and gold futures prices, as well as factors influencing g... more
Nov 23, 2025 4:30 AM
— Interest Rates
Best high-yield savings interest rates today, November 23, 2025 (Earn up to 4.3% APY)
The article discusses the importance of finding the best savings account interest rates in today's market. It highlights that although the national average savings account rate is low at 0.4%, some accounts are offering significantly higher rates, with the highest being 4.3% APY. The article explains how the amount of interest earned in a savings account depends on the APY and provides examples of... more
Nov 21, 2025 10:30 AM
— Interest Rates
Mortgage Rates Nudge Lower to Remain In The Same Old Range
Recent stock market losses have led to increased attention, and while there is no reliable correlation between stocks and interest rates, stock losses can sometimes influence rates. Bonds improved as stocks sank overnight, but a comment from NY Fed Pres Williams suggesting a rate cut in December led to a reversal. This caused some initial improvement in rates, but ultimately, the rebound in stocks... more
Nov 21, 2025 6:30 AM
— Interest Rates
Current mortgage rates report for Nov. 21, 2025: Rates mostly steady
The average interest rate for a 30-year fixed-rate conforming mortgage loan in the U.S. is currently 6.244%, with rates trending upward compared to a week ago. Experts do not anticipate seeing rates in the 2% to 3% range in the future, with historical data showing rates around 7% are not unusually high. Factors influencing mortgage rates include economic conditions, government debt, demand for hom... more
Nov 20, 2025 9:30 AM
— Interest Rates
When will mortgage rates go down? Insights after 3 weeks of increases.
Mortgage rates have been gradually increasing over the past weeks, with the 30-year fixed-rate mortgage rising to 6.26% and the 15-year rate now at 5.54%. The Federal Reserve lowering the fed funds rate does not directly influence mortgage rates, which are more closely tied to the 10-year Treasury yield. Buyers should consider that mortgage rates are just one factor in the affordability equation, ... more
Nov 19, 2025 1:30 PM
— Interest Rates
Fed Minutes Push Yields Higher
Recent Fed minutes reflected a hawkish tone with concerns that a December rate cut may not be justified. Additionally, the rescheduling of the jobs report after the December Fed meeting means there won't be data to support a cut next month, leading to an increase in implied yields and longer-term bonds following suit.
Nov 18, 2025 1:30 PM
— Interest Rates
Mortgage Rates Hold Steady Yet Again as Data Returns
With the reopening of the government, economic data is back to motivating rates. High-profile reports have been rescheduled, but most release dates remain TBD. Jobless Claims data was released unexpectedly, and while it can impact rates moderately, it wasn't impactful this time. The release of the minutes from the Fed's late October meeting on Wednesday could provide insights into the possibility ... more
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The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 600 lenders. Mortgage-Rates.ai 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@mortgage-rates.ai
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 600 lenders. Mortgage-Rates.ai 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@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.