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

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

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

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

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

An outlook for rates to remain stable through 2026

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

Mortgage rates are testing the 6% level again. According to Zillow, the average 30-year fixed mortgage rate is 6.00%, down 11 basis points. The 15-year fixed rate is 5.44%down eight basis points. Realtor.com’s latest housing report expects average 30-year mortgage rates to remain near 6.3% through 2026, “as slowing economic growth and the end of … Read more

The 6% 30-year mortgage is back, could 5% be next?

The 6% 30-year mortgage is back, could 5% be next?

Mortgage rates vary from country to country, but some borrowers get the lowest rates for a long time. According to Zillow data, the current average 30-year fixed mortgage rate is 6.00%. The 15-year fixed rate is 5.50%. Last Wednesday, Freddie Mac reported a 6.23% 30-year rate. That tells you how important it is to shop … Read more