Mortgage rates are sorting out the Fed rate cut. According to Zillow, the current 30-year fixed mortgage rate is 6.32%. The 15-year fixed rate is 5.70%. If you can get a similar rate from a lender, this might be a good time to buy a house and lock in a relatively low rate. "This ongoing gap between market and Fed expectations means that some risk of upward pressure on mortgage rates remains, but for now, consumers have already benefited from the drop in mortgage rates that has brought mortgage rates below ...

当前抵押贷款利率水平 - 30年期固定抵押贷款利率为6.28% [1][4][7] - 15年期固定抵押贷款利率为5.49% [1][4][9] - 5/1可调利率抵押贷款(ARM)利率为6.58% [4][17] 抵押贷款再融资利率 - 30年期固定再融资利率为6.10% [5] - 15年期固定再融资利率为5.40% [5] - 5/1可调利率再融资利率为6.22% [5] 不同贷款期限对比分析 - 30年期贷款月供较低但总利息成本高 30万美元贷款月供1,853美元 总利息367,083美元 [8] - 15年期贷款月供较高但总利息成本低 30万美元贷款月供2,450美元 总利息140,939美元 [10] - 可调利率抵押贷款初始利率通常低于固定利率但存在后期上升风险 [12] 利率获取策略 - 提高首付比例、优化信用评分和降低债务收入比有助于获得更低利率 [14] - 通过折扣点购买可永久降低利率 例如2-1购买下调可使首年利率降至4.5% [15] - 需要评估利率购买成本与长期节省的平衡关系 [16] 市场利率趋势预期 - 抵押贷款利率近期有所下降 但2025年预计不会大幅下降 [19] - 美联储利率政策变化可能对抵押贷款利率产生反向影响 [1] - 利率水平存在地区差异 全国平均利率为6.28% [18]