Mortgage rates are holding steady as they resist higher Treasury yields

Mortgage rates are holding steady as they resist higher Treasury yields

Mortgage rates have held steady this week with only a slight increase. The 10-year Treasury, a price gauge for 30-year fixed mortgage rates, has been above 4.2% since mid-January. However, the spread between Treasury and mortgage rates has narrowed recently, and the 30-year has resisted a substantial move higher. According to Freddie Mac, the average … Read more

Small moves higher as Fed pauses

Small moves higher as Fed pauses

Mortgage and refinance rates rose this week as the Federal Reserve announced a pause in rate cuts. According to Freddie Mac, the 30-year fixed mortgage rate rose by one basis point 6.10%. Meanwhile, the 15-year rate gained five basis points to 5.49%. Still, the 30-year bond remains near a three-year low. Here are the current … Read more

Mortgage and refinance rates today, January 22, 2026: A small move higher

Small moves higher as Fed pauses

Mortgage and refinance rates rose slightly in the past week. According to Freddie Mac, the 30-year fixed mortgage rate rose three basis points to 6.09%and the 15-year rate rose six basis points to 5.44%. With rates still well below their 52-week average, this could be a good time to lock in a mortgage rate. Here … Read more

Eight mortgage predictions for 2026

Eight mortgage predictions for 2026

Last year was all about falling mortgage rates, with four cuts by the Bank of England taking the base rate from 4.75% at the start of the year to 3.75% by December. For the most part, mortgage lenders responded by lowering their rates. What 2026 will hold for the mortgage market is harder to predict: … Read more

Weekly rates drop 19 basis points

Weekly rates drop 19 basis points

Current mortgage rates are below 6%. According to Zillow, the average 30-year fixed mortgage rate fell 19 basis points in the past month and is now 5.90%. The 15-year fixed rate fell 16 basis points during that time, now standing at 5.36%. To take advantage of today’s low mortgage rates, shop around with multiple mortgage … Read more

The lowest rates in the last 3 years

Small moves higher as Fed pauses

According to Freddie Mac, current mortgage rates are at their lowest points in three years. The average 30-year fixed mortgage rate is down 10 basis points since last week 6.06%and the 15-year rate fell eight basis points to 5.38%. This could be a good time to lock in a mortgage rate. Here are the current … Read more

A bigger nudge for the week

Small moves higher as Fed pauses

Mortgage rates remain in the low 6% range. According to Freddie Mac, the average 30-year fixed mortgage rate for the week is 6.16%with a base point. The 15-year fixed-rate weekly average was 5.46%, with two base points. For weeks, home loan interest rates have made only fractional moves, but keep in mind that mortgage rates … Read more

Mortgage and refinance rates today, December 18, 2025: Mortgage rates remain calm

Small moves higher as Fed pauses

Mortgage rates remain calm, hovering above 6% with only minor fluctuations from week to week. According to Freddie Mac, the average 30-year fixed mortgage rate this week fell by one basis point to 6.21%. The 15-year fixed rate fell seven basis points for the week to 5.47%. Here are the current mortgage rates, according to … Read more

Just above the 2025 low

Small moves higher as Fed pauses

Mortgage rates have generally declined since late May, bottomed out in late October, and have remained within 10 basis points since then. According to Freddie Mac, the average 30-year fixed mortgage rate is 6.22%. This is five basis points higher than the 2025 minimum of 6.17%. The 15-year fixed rate is 5.54%. “The average 30-year … Read more

Will a Fed rate cut lower rates?

Will a Fed rate cut lower rates?

Mortgage rates were capped at intervals of more than six weeks, with nothing forcing them to go up or down. According to Zillow, the 30-year average rate is 6.07%. The average rate over 15 years is 5.53%. A Federal Reserve rate cut is likely tomorrow, comments from Fed Chairman Jerome Powell and the Fed’s points … Read more