Mortgage Rates Stable, Best Deals for Homebuyers
Update: 2025-12-26
Description
Mortgage rates remain steady, with the national average for a thirty-year fixed mortgage at six point one eight percent, down from six point eight five percent a year ago. Zillows data supports this, showing similar rates for thirty-year and fifteen-year fixed mortgages, and adjustable-rate mortgages like the five-one ARM at six point two six percent. Refinance rates are slightly higher, with thirty-year fixed refis at six point two five percent. Homebuyers and refinancers benefit from lower rates, with smaller monthly payments compared to last year. However, economists dont expect significant drops in rates, with predictions of thirty-year rates near six point four percent through twenty twenty-six and a dip to five point nine percent by late that year. Now is a good time to compare lenders and use a mortgage calculator, as stability in rates wont last forever.
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