Mortgage Rates Stable, Best Deals Tips
Update: 2025-12-21
Description
Mortgage rates remain stable, with the average thirty-year fixed at 6.03% and fifteen-year at 5.42%. Refinance rates are slightly higher. Homebuyers consider the 30-year vs. 15-year options: a 30-year keeps payments lower but costs more in interest, while a 15-year saves more on interest but has higher payments. To secure the best rate, improve credit, make a larger down payment, or reduce debt. Shop multiple lenders and compare APR, not just interest rate. Rates arent expected to drop significantly until 2026.
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