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News for: Mortgage Rates
Showing 1 - 24 of 1060 results
Dec 12, 2025 7:50 AM
— Mortgage Rates
Mortgage Rates Quiet Heading into Weekend | Today, December 12, 2025
The article discusses the movements in mortgage rates following the December Fed cut and how mix economic indicators could add upward pressure on interest rates. It also provides information on average mortgage rates, types of mortgages available, and factors influencing mortgage rates.
Dec 12, 2025 7:30 AM
— Mortgage Rates
What are today's mortgage interest rates: December 12, 2025?
The article discusses the final Federal Reserve meeting of 2025, where the final interest rate cut of the year was issued. Mortgage interest rates are gradually declining, with rates on 30-year and 15-year mortgages currently below 6%. Homeowners and buyers are encouraged to shop around for lower rates but should consider closing costs when refinancing.
Dec 12, 2025 7:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 12, 2025: Rates remain well below the 52-week average
Mortgage rates are just slightly above 2025 lows according to Freddie Mac and Zillow data. The 30-year fixed rates are around 6.22%, while the 15-year fixed rates are at 5.54%. Refinance rates are similar, but slightly higher. Fixed-rate mortgages ensure a set rate for the loan's life, while adjustable-rate mortgages have a changing rate after a designated period.
Dec 11, 2025 5:32 PM
— Mortgage Rates
Friday: No major economic releases scheduled.
On Friday, there were no major economic releases scheduled. Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios.
Dec 11, 2025 2:32 PM
— Mortgage Rates
Mortgage Rates Increased Slightly This Week But Fed Rate Cut Helps
Mortgage rates slightly increased this week, with the average rate for a 30-year fixed-rate at 6.22%. The rate for a 15-year fixed-rate mortgage also rose, but both are below the year-to-date average. Despite minimal changes, rates have remained stable for over a month, providing predictability and confidence in the market. The recent rate cuts by the Fed have helped keep borrowing costs low, but ... more
Dec 11, 2025 2:31 PM
— Mortgage Rates
Mortgage rates tick higher but remain near 2025 lows
EV wiring, solar-ready roofs, and stricter insulation rules are contributing to higher home construction costs. Freddie Mac reported that the average rate on the benchmark 30-year fixed mortgage increased to 6.22% from the previous week. The average rate on a 30-year loan was 6.6% a year ago. The Federal Reserve recently lowered the benchmark interest rate, but mortgage rates are not directly affe... more
Dec 11, 2025 1:31 PM
— Mortgage Rates
Rate shopping could save borrowers over $1,100 a year
The article reports that 70% of U.S. home purchasers do not shop mortgage lenders for a lower rate, potentially costing them up to 50 basis points in higher payments. It also discusses changes in mortgage rates, mortgage debt-to-income ratios, high-risk markets, national median payments, and the potential drawbacks of a 50-year mortgage.
Dec 11, 2025 11:32 AM
— Mortgage Rates
Mortgage Rates: The New Normal
The article discusses the current state of mortgage rates and refers to them as the 'New Normal.' It likely offers insights or analysis on the stability or trend of mortgage rates in the housing market.
Dec 11, 2025 10:32 AM
— Mortgage Rates
Mortgage rates higher after FOMC rate cut priced in
The article discusses the impact of the Federal Open Market Committee short-term rate reduction on the mortgage industry. Mortgage rates have been fluctuating, with some slight increases and decreases over the past few weeks. Refinancing has pushed mortgage originations higher, while rising delinquencies suggest mounting borrower stress.
Dec 11, 2025 10:30 AM
— Mortgage Rates
Mortgage rates higher, Rivian to use in-house AI chip over Nvidia's
Mortgage rates have slightly increased this week, with the 30-year fixed rate at 6.22%. Other notable market stories include Disney's $1 billion investment in OpenAI and Rivian unveiling their own AI chips for autonomous driving.
Dec 11, 2025 9:30 AM
— Mortgage Rates
Average US long-term mortgage rate ticks up to 6.22%, but remains close to its low for the year
The average rate on a 30-year U.S. mortgage slightly increased this week but is still close to the low point for the year. Borrowing costs on 15-year fixed-rate mortgages also rose. Mortgage rates are influenced by factors such as the Federal Reserve's interest rate policy decisions and bond market expectations.
Dec 11, 2025 9:30 AM
— Mortgage Rates
Mortgage rates inched up last week but remain near year-to-date lows
Mortgage rates rose slightly after the Federal Reserve's rate cut was not enough to offset Treasury yields spike. The Fed's decision to cut rates drew dissents due to a weakening labor market and rising inflation. The direction of mortgage rates will be influenced by upcoming economic data. Refinancing activity increased, while home purchase applications fell slightly.
Dec 11, 2025 8:30 AM
— Mortgage Rates
Why Jerome Powell’s latest rate cut still won’t help you get a lower mortgage rate
The Federal Reserve has cut interest rates by 0.25% in an effort to help the labor market, but experts warn that this will not affect mortgage rates significantly. Mortgage rates are primarily tied to yields on longer-term bonds and are not directly influenced by the Federal funds rate. Despite the small decrease in interest rates, the current mortgage rate is still much higher than during the pan... more
Dec 11, 2025 6:30 AM
— Mortgage Rates
Mortgage rates remain high as 10-year yield stays above 4 percent despite Fed cuts
David Malpass, former World Bank President, believes that the Federal Reserve's outdated models and delayed rate cuts are hindering economic growth. This has resulted in high mortgage rates and poses a threat to the U.S. economy's strength.
Dec 10, 2025 5:31 PM
— Mortgage Rates
Fed moves won't move needle on housing — yet
The Federal Reserve cut its federal funds rate, but Chairman Jerome Powell's comments may have more influence on lenders and home buyers. Mortgage rates have fluctuated with some decreases after consecutive weeks of increases, while refinancing and home equity lending continue to grow despite rising delinquencies.
Dec 10, 2025 1:30 PM
— Mortgage Rates
Mortgage Rates Improve After Fed Announcement
The Fed cut its policy rate by 0.25%, leading to lower mortgage rates, although they were not directly related. Mortgage rates did not move when the rate cut was announced, but in response to Fed Chair Powell's press conference. Key comments from Powell indicated that job gains may have been overstated, inflation is coming down, and rates are now in a high range of neutral, potentially allowing fo... more
Dec 10, 2025 12:30 PM
— Mortgage Rates
Mortgage rates rise despite Fed cut
The article discusses the current state of mortgage rates, mentioning that the Federal Reserve has cut rates while mortgage rates have risen slightly. It also mentions that fixed mortgage rates are influenced by investor appetite for 10-year Treasury bonds, and that housing economists expect rates to stay above 6%. Additionally, it touches on the U.S. economy losing steam due to President Trump's ... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
The Fed just cut rates to their lowest point since 2022. Here's what that could mean for mortgage rates.
The Federal Reserve announced another interest rate cut, bringing the federal funds rate down to a range of 3.50% to 3.75%, the lowest since November 2022. While the rate cut doesn't directly impact mortgage rates, it could lead to gradual improvements in affordability over time. Lower mortgage rates could increase buying power, make refinancing attractive, draw more buyers into the market, and le... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
Fed cuts interest rates again: What's next for mortgages, credit cards
Consumers gave the Federal Reserve room to cut interest rates in 2025 due to financial concerns and a weakening job market. The Fed cut interest rates by a quarter percentage point in December, leading to lower rates on credit cards and home equity lines of credit. However, mortgage rates are not expected to see significant decreases in 2026, with predictions of mortgage rates declining slightly o... more
Dec 10, 2025 11:30 AM
— Mortgage Rates
When will mortgage rates go down? Outlook after the Fed meeting.
Mortgage rates have decreased for the second week in a row, with the 30-year fixed-rate mortgage rate now at 6.19%, down from 6.69% a year ago. The Federal Reserve has also reduced the federal funds rate by 25 basis points. Despite the decreasing rates, it is unlikely that mortgage rates will hit 6%, and it is advised not to wait until mortgage rates drop significantly as the housing market is cur... more
Dec 10, 2025 8:36 AM
— Mortgage Rates
Mortgage Rates Could Move Higher Despite a Fed Cut
The Federal Reserve is expected to cut interest rates, but mortgage rates may not decrease and could potentially increase based on signals from Fed Chair Jerome Powell.
Dec 10, 2025 8:32 AM
— Mortgage Rates
Mortgage Rates Drop Before Fed Cut Announcement | Today, December 10, 2025
Mortgage rates reversed their opening week gains ahead of the Federal Reserve December Open Market Committee meeting. The average 30-year fixed mortgage rate was 6.26%, while the average 15-year fixed mortgage rate was 5.63%. Uncertainty regarding the Federal Open Market Committee's meeting could result in short-term volatility in mortgage rates.
Dec 10, 2025 8:30 AM
— Mortgage Rates
Mortgage rate projections for the next 5 years
Mortgage rates have dropped by half a point over the last year, but forecasts predict that 10-year Treasury yields will remain above 4.1% through 2030. The spread between 10-year Treasury yields and 30-year fixed mortgage rates have seen fluctuations and a recent example showed a spread of 2.08 percentage points. Long-term estimates suggest that mortgage rates will be around 6.28% to 6.48% in 2027... more
Dec 10, 2025 3:30 AM
— Mortgage Rates
Mortgage and refinance interest rates today, December 10, 2025: A bump higher before the Fed
Mortgage rates have slightly increased with the 30-year fixed rate at 6.14% and 15-year fixed rate at 5.53%. Refinance rates are higher, with the 30-year fixed rate at 6.22%. There are advantages and disadvantages to both 30-year and 15-year fixed mortgages, as well as adjustable-rate mortgages (ARMs). Rates are expected to remain stable, and refinancing is similar to the initial home buying proce... 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.