Mortgage Rates Stable, Refinance Options
Update: 2025-12-13
Description
Mortgage rates remain stable post-Fed cut, with national averages at six point one three percent for thirty-year fixed and five point five three percent for fifteen-year fixed. Refinance rates slightly higher, at six point one nine percent and five point six zero percent respectively. Thirty-year fixed loans offer lower, predictable payments over a longer period, while fifteen-year fixed mortgages provide lower interest rates and faster payoff, but higher monthly payments. Market timing not crucial; no significant rate drop expected before year-end.
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