Mortgage rates continue to move lower, prior to an expected Fed rate cut tomorrow. According to Zillow, the current 30-year mortgage rate is 6.16%, down 12 basis points since Friday. The 15-year fixed interest rate fell three basis points to 5.46%. Dig deeper: The best mortgage lenders right now Today's mortgage rates Here are the current mortgage rates, according to our latest Zillow data: 30-year fixed: 6.16% 20-year fixed: 5.68% 15-year fixed: 5.46% 5/1 ARM: 6.65% 7/1 ARM: 6.58% 30-year VA: 5 ...

Mortgage interest rates may not move much between now and Wednesday, when the Federal Reserve announces its decision on short-term interest rates. According to Zillow, the 30-year fixed mortgage rate is 6.28%, and the 15-year rate is 5.49%. Shop around with three or four mortgage lenders to compare their rates and find the best deal. Dig deeper: The best mortgage lenders for first-time home buyers Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year ...

Mortgage rates are continuing to trend down. According to Freddie Mac, the national average 30-year rate is now 6.35%, down 15 basis points in one week. The 15-year fixed mortgage rate is down 10 basis points to 5.50%. Once again, these are new lows for 2025. With rates on a downward trend, purchase applications saw the highest year-over-year growth rate in four years, according to Freddie Mac. Learn more: Interested in mortgage lenders with rate buydown programs? Read our Embrace Home Loans review and ...

公司概况 - AGNC Investment是一家抵押贷款房地产投资信托基金(mREIT)，主要持有由房利美和房地美担保的机构抵押贷款支持证券(MBS)，这些证券几乎无信用风险[1] - 公司当前股息率高达16%，但股价过去几年持续下跌，引发市场对股息可持续性和投资价值的质疑[1] - 公司通过借入短期资金投资长期高收益MBS来赚取利差，业务模式受利率曲线形态显著影响[6][7] 经营挑战 - 过去几年抵押贷款利率上升对公司造成双重打击：美联储加息推高基准利率，同时MBS与国债收益率利差显著扩大[2][3] - 美联储停止购买MBS并缩减资产负债表，叠加硅谷银行倒闭事件导致银行撤离MBS市场，加剧了流动性压力[3] - 2021年底至2023年底，公司有形账面价值(TBV)从每股15.75美元暴跌45%至8.70美元，2025年Q1进一步降至8.25美元[4] 转机因素 - 美联储主席暗示可能降息，官方预测也显示未来几年利率下行，这将改善公司经营环境[5] - 收益率曲线从倒挂转为正斜率（长期收益率高于短期），有利于公司赚取更大利差[8] - 公司80%以上持仓的MBS票面利率≤6%，可有效降低房主再融资导致的提前还款风险[9] 股息与投资价值 - 尽管经营环境艰难，公司仍维持每月0.12美元/股的股息支付，对应16%的股息率[10][14] - 若MBS与国债利差从历史高位收窄，公司有形账面价值和股价可能显著回升[13] - 即使不考虑估值修复，仅16%股息率已具备吸引力，若叠加适度估值修复，未来几年年化总回报可能达20%-25%[14] - 当前股价已反映高利率和宽利差冲击，市场环境转向有利，但投资仍需承担较高风险[15][16]