Mortgage rates have been fluctuating over the past month, but all the changes have been small. According to Freddie Mac, the 30-year fixed mortgage rate dropped by three basis points this week — but it’s still one basis point higher than this time last month. Stagnant rates may leave you wondering: Is it a good time to buy a house? In this article: Are mortgage rates dropping? As of Oct. 16, Freddie Mac reported that the average 30-year fixed-rate mortgage rate had fallen by three basis points to 6.27%. ...

Mortgage rates have been gradually decreasing, and according to Freddie Mac, they’ve decreased for four straight weeks. The Federal Reserve also just cut the federal funds rate for the second month in a row.These factors may leave you wondering: Will another Fed rate cut lead to even lower mortgage rates? And does that mean it’s a good time to buy a house? Are mortgage rates dropping? As of Oct. 30, Freddie Mac reported that the average 30-year fixed-rate mortgage rate had fallen by two basis points to ...

Mortgage rates have been fluctuating over the past month, but all the changes have been small. This week, interest rates have finally made a more noticeable dip. According to Freddie Mac, the 30-year fixed mortgage rate dropped by eight basis points this week to their lowest point in a year. Lower rates may leave you wondering: Is it a good time to buy a house? In this article: Are mortgage rates dropping? As of Oct. 23, Freddie Mac reported that the average 30-year fixed-rate mortgage rate had fallen b ...

抵押贷款利率近期走势 - 截至10月9日，30年期固定抵押贷款利率下降4个基点至6.30%，较去年同期低2个基点 [1] - 15年期固定抵押贷款利率本周下降2个基点至5.53%，但较去年同期高出12个基点 [2] - 过去52周内，30年期和15年期固定抵押贷款利率范围分别为6.26%至7.04%和5.41%至6.27%，目前处于该范围的较低端 [2][9] 美联储政策对抵押贷款利率的影响 - 美联储在2025年9月会议上决定将联邦基金利率下调25个基点，这是2025年的首次降息 [4] - 尽管抵押贷款利率不直接基于联邦基金利率，但通常与其趋势一致 [5] - 在2025年9月会议前，因市场预期降息，抵押贷款利率逐步下降；会议后尽管联邦基金利率下调，抵押贷款利率却出现反弹，随后几周趋于稳定 [7] 抵押贷款利率与国债收益率的关系 - 抵押贷款利率更密切地跟随10年期国债收益率，截至10月7日，10年期国债收益率为4.14%，高于一年前的4.03% [10] - 贷款机构在10年期国债收益率基础上增加"利差"以确定当前抵押贷款利率，当前30年期固定抵押贷款利率6.30%与10年期国债收益率4.14%之间的利差为2.16% [10][11] 住房市场现状与购房策略 - 当前住房市场供需失衡，买家数量超过待售房屋数量，尤其是首次购房者能负担的价格区间，导致房价保持高位 [13] - 根据数据，单户住宅的中位售价从2009年第一季度的208,400美元上升至2025年第二季度的410,800美元 [14] - 行业建议购房者不应等待利率大幅下降，而应考虑购买负担得起的房产，并探索非传统策略，如购买待修房屋、考虑共管公寓、选择15年期抵押贷款或探索利率买断等方案 [12][17][20][22][23][24] 抵押贷款利率预测与历史比较 - 行业预测存在分歧，抵押银行家协会预测30年期固定利率在2025年底将达到6.5%，而房利美的预测更为乐观，预计到明年年底利率将降至5.9% [25] - 与历史水平相比，7%的抵押贷款利率并不算高，与1990年代的利率水平相当，远低于1970年代末和1980年代初的两位数利率 [26] - 获得3%的利率虽非不可能，但需要特定条件，如找到可承接的政府支持贷款 [27]