Mortgage Rates Hold Steady, But Some Lenders Offer Lower
Update: 2026-01-05
Description
Mortgage rates remain steady, with some lenders offering mid-five percent rates. The national average for a thirty-year fixed mortgage is six point zero one percent, while fifteen-year fixed is lower at five point four four percent. Refinance rates are slightly higher, and ARMs are around six point two three percent. Lenders favor big down payments, top credit scores, and low debt for lower rates. Experts predict rates near six point four percent through 2026, with Fannie Mae forecasting above six percent next year before easing to five point nine percent by late 2026. Checkout Solipillow.com
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