Mortgage Rates Today: Fixed & Adjustable Options
Update: 2025-12-27
Description
Mortgage rates today are hovering around six percent, with the average thirty-year fixed rate at six point zero one percent. Refinance rates are slightly higher, and while fixed-rate loans offer predictability, adjustable-rate mortgages can provide initial savings but carry risk. Experts predict rates will remain near six point four percent through 2026, so its crucial to boost your credit, compare lenders, and use a calculator to find the best fit for your budget.
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