Rates are drifting lower, not falling fast. And most housing economists now agree that a dramatic drop in mortgage rates in 2026 is unlikely. That does not mean buyers are locked out of the market. It means expectations need to be reset.Mortgage rates today show little movement for both purchases and refinances, based on national averages from Zillow. The 30-year fixed rate is 6.04%, while the 20-year fixed is 5.89%. Borrowers choosing shorter terms continue to see lower rates, with the 15-year fixed at 5. ...

Sales of previously occupied US homes rose in November from October levels, but slowed compared to a year earlier for the first time since May, despite average long-term mortgage rates holding near their low point for the year.Existing home sales rose 0.5 per cent last month from October to a seasonally adjusted annual rate of 4.13 million units, the National Association of Realtors (NAR) said Friday. Sales fell 1 per cent compared with November last year. The latest sales figure came in slightly below the ...

Sales of previously occupied U.S. homes rose in November from the previous month, but slowed compared to a year earlier for the first time since May despite average long-term mortgage rates holding near their low point for the year. Through the first 11 months of this year, home sales are down 0.5% compared to the same period last year. Subscribe to the Daily newsletter.Fast Company's trending stories delivered to you every day Privacy Policy | Fast Company Newsletters "It's possible that 2025, unless Decem ...

房贷利率变动 - 基准30年期固定抵押贷款平均利率本周降至6.21%，较上周的6.22%略有下降，但显著低于一年前的6.72% [1] - 15年期固定抵押贷款平均利率本周降至5.47%，低于上周的5.54% [3] 市场环境与购房者状况 - 过去两个月，30年期固定抵押贷款利率在10个基点的狭窄区间内波动，但较去年已下降0.5个百分点 [3] - 抵押贷款利率下降推动购房申请量同比增长10% [3] - 当前抵押贷款利率已缓和至6%左右的低区间，且库存水平远高于去年，为买家提供了更多选择和灵活性 [6] - 租金可负担性改善，租金在11月已连续第28个月下降 [6] 宏观经济与利率背景 - 美联储于约一周前将基准利率下调25个基点至3.5%-3.75%的新区间 [4] - 抵押贷款利率虽不直接受美联储利率决议影响，但密切跟踪10年期美国国债收益率，该收益率在周四下午徘徊在4.12%左右 [4]

Joining us now is Pimco, global economic adviser, former Federal Reserve vice chair Richard Clara. It's great to have you here. Welcome back.>> Yeah, always enjoy it. >> So, how much do you read into this inflation print. >> I think there's some good news here.Obviously, distortions with the shutdown and some seasonals. Uh uh but I think you take the good news when you can can get it. Um and I think it reinforces the message out of the Fed last week, which is inflation is still pretty stubborn, but it's it' ...

The average rate on a 30-year U.S. mortgage edged lower this week, staying relatively close to its low for the year. The decline brings the average long-term mortgage rate to 6.21% from 6.22% last week, mortgage buyer Freddie Mac said Thursday. A year ago, the rate averaged 6.72%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also fell this week. The rate averaged 5.47%, down from 5.54% last week. A year ago, it averaged 5.92%, Freddie Mac said. ...

核心观点 - 房地美发布的主要抵押贷款市场调查显示，截至2025年12月18日当周，美国30年期固定利率抵押贷款平均利率为6.21%，较去年同期下降0.51个百分点，利率下降刺激购房申请量同比增长10% [1][5] 抵押贷款利率数据 - 截至2025年12月18日当周，30年期固定利率抵押贷款平均利率为6.21%，较前一周的6.22%略有下降，较去年同期的6.72%下降0.51个百分点 [1][5] - 截至2025年12月18日当周，15年期固定利率抵押贷款平均利率为5.47%，较前一周的5.54%下降，较去年同期的5.92%下降0.45个百分点 [5] 市场动态与影响 - 过去两个月，30年期固定利率抵押贷款平均利率在10个基点的狭窄区间内保持稳定 [1] - 与去年同期相比，抵押贷款利率下降约0.5个百分点，推动购房申请量同比增长10% [1] 调查方法说明 - 主要抵押贷款市场调查主要针对常规、合格、完全分期偿还的购房贷款，调查对象为首付20%且信用极佳的借款人 [2] 公司背景与使命 - 房地美的使命是在所有经济周期中为全美家庭实现住房可能，促进房地产市场的流动性、稳定性和可负担性 [3] - 自1970年以来，公司已帮助数千万家庭购买、租赁或保有住房 [3]

核心观点 - 美联储降息后 抵押贷款利率不降反升 导致抵押贷款申请总量下降[1] - 市场将美联储的评论解读为降息周期接近尾声 从而推高了抵押贷款利率[3] 抵押贷款利率与申请量变化 - 上周抵押贷款申请总量经季节性调整后环比下降3.8%[1] - 30年期固定利率抵押贷款（符合贷款余额上限806,500美元）的平均合同利率从6.33%上升至6.38% 首付20%的贷款费用点数从0.60增加至0.62[2] - 再融资申请量当周环比下降4% 但较去年同期高出86%[4] 市场背景与驱动因素 - 去年同期30年期固定利率比当前高出37个基点[4] - 两年前利率远高于7% 当时获得贷款的借款人现在可能从再融资中受益[4]

当前抵押贷款利率水平 - 根据Zillow数据，当前30年期固定抵押贷款利率为6.13%，15年期固定利率为5.53% [1] - 其他主要贷款产品利率包括：20年期固定利率6.08%，5/1可调利率抵押贷款(ARM)利率6.24%，7/1 ARM利率6.31% [4] - 退伍军人事务部(VA)贷款方面，30年期VA利率为5.60%，15年期VA利率为5.14% [4] 抵押贷款利率近期动态 - 尽管美联储上周宣布了第三次降息，但抵押贷款利率反应平淡，30年期利率自10月底以来几乎没有变动 [1] - 近期可调利率抵押贷款(ARM)利率偶尔与固定利率相似甚至更高，这与通常ARM起始利率低于固定利率的情况不同 [12] 不同期限贷款的成本分析 - 以30万美元贷款为例，30年期固定利率6.13%的月供约为1,824美元，贷款期内总利息支付为356,569美元 [7] - 相同贷款金额，15年期固定利率5.53%的月供将跃升至2,456美元，但贷款期内总利息支付大幅减少至142,085美元 [9] - 15年期抵押贷款利率低于30年期，长期看可节省利息，但月供更高 [8] 可调利率抵押贷款(ARM)特点 - 可调利率抵押贷款的利率在特定期限内锁定，之后定期调整，例如5/1 ARM前五年利率固定，之后每年调整 [10] - ARM起始利率通常低于固定利率，但存在锁定期结束后利率上升的风险 [11] - 若计划在利率锁定期结束前出售房产，ARM可能是一个合适的选择 [11] 影响抵押贷款利率的因素 - 贷款机构通常向首付比例高、信用评分优秀、债务收入比低的借款人提供最低利率 [13] - 借款人可以通过在交割时购买折扣点来永久降低利率，或选择临时性利率买断，例如2-1买断可使首年利率从6.25%降至4.25% [14] - 是否进行利率买断需权衡额外成本与长期节省的利息，并考虑在房产中居住的时长 [15] 抵押贷款利率展望 - 根据MBA 11月的预测，预计30年期抵押贷款利率在2026年前将维持在6.4%附近 [19] - 房利美预测30年期利率明年将保持在6%以上，到2026年第四季度可能降至5.9% [19]

Checking today’s mortgage rates might leave you feeling stuck in limbo: Are these the best rates you can get, or should you wait for something better? During the COVID-19 pandemic in 2020, many Americans jumped at the chance to buy property thanks to ultra-low mortgage rates. Read More: I’m a Real Estate Agent: 5 House Items Buyers Almost Always Regret Find Out: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too Now, at the end of 2025 and beginning of 2026, rates are not e ...