Mortgage rates have been jumpy lately, up one day; down the next. According to Zillow, the average 30-year fixed mortgage rate is 6.11%. Meanwhile, the 15-year fixed term is 5.58%. The 10-year Treasury yield moved higher last week, which may nudge mortgage rates up in the coming days. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.11% 20-year fixed: 5.98% 15-year fixed: 5.58% 5/1 ARM: 6.58% 7/1 ARM: 6.69% 30-year VA: 5.61% 15-yea ...

Mortgage rates are well below their level from one year ago. According to Freddie Mac, the national average 30-year fixed mortgage rate fell two basis points this week to 6.17% — 55 basis points lower than one year ago. The 15-year rate is down three basis points to 5.41%, more than a half-point lower than last October. “Mortgage rates decreased for the fourth consecutive week,” said Sam Khater, Freddie Mac’s chief economist. “The last few months have brought lower rates, and homebuyers are increasingly e ...

Mortgage rates made small moves in two directions today. According to Zillow, the average 30-year fixed rate is down five basis points to 6.16%. The 15-year fixed loan is up three basis points to 5.43%. Yields on the 10-year Treasury, a proxy for mortgage rates, have been up and down day-to-day, drifting without a solid direction. So have mortgage rates. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.16% 20-year fixed: 5.72% 15-year ...

Mortgage rates continue to churn. According to Zillow, the 30-year fixed mortgage rate bounced higher by 12 basis points to 6.21%, while the 15-year fixed rate declined by four basis points to 5.40%. The 30-year jump reflects a move higher last week with 10-year Treasury yields. Learn about 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: 6.21% 20-year fixed: 5.81% 15-year fixed: 5.40% 5/1 ARM: 6.37% ...

According to Zillow data, the current 30-year fixed mortgage rate has dropped to 6.09%. That's the lowest rate in more than a year and so close to the magic 6% level that, in the recent past, sparked a wave of refinancing. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.09% 20-year fixed: 5.75% 15-year fixed: 5.44% 5/1 ARM: 6.22% 7/1 ARM: 6.53% 30-year VA: 5.58% 15-year VA: 5.01% 5/1 VA: 5.48% Remember, these are the national ...

Mortgage rates continue to move lower. According to Freddie Mac, the national average 30-year fixed mortgage rate fell eight basis points this week to 6.19% — 35 basis points lower than it was one year ago. The 15-year rate is also down by eight basis points to 5.44%, more than a quarter point lower than last October. “Mortgage rates continued to trend down this week, hitting their lowest level in over a year,” said Sam Khater, Freddie Mac’s chief economist. “At the start of 2025, the 30-year fixed-rate m ...

抵押贷款利率现状 - 30年期固定抵押贷款利率降至6.19%，为一年多以来最低点，过去一周下降8个基点 [1] - 15年期固定抵押贷款利率降至5.44%，过去一周同样下降8个基点 [1] - 当前市场30年期固定抵押贷款利率为6.06%，20年期为5.51%，15年期为5.37% [6] 获取最低利率的策略 - 通过比较不同贷款机构，借款人平均可获得0.55%的抵押贷款利率改善 [2] - 贷款机构通常向信用评分较高、债务收入比较低且有可观首付的借款人提供更低利率 [12] - 根据2024年HMDA数据，美国银行和花旗银行等机构提供的抵押贷款利率中位数较低 [17] 抵押贷款利率类型与决定因素 - 抵押贷款利率分为固定利率和可调整利率两种基本类型，固定利率在整个贷款期限内锁定 [9] - 可调整利率抵押贷款在初始固定期后利率会周期性变化，例如5/1 ARM前五年利率固定，之后每年调整一次 [9] - 利率由借款人的可控因素（如信用评分、债务收入比、首付）和不可控的经济因素共同决定 [11][12] - 经济疲软时利率下降以鼓励借贷，经济强劲时利率上升以抑制支出 [13] 不同期限抵押贷款比较 - 30年期抵押贷款月供相对较低，但利率高于较短期限，长期总利息支付较多 [14][16] - 15年期抵押贷款利率较低，总利息支付更少，且能更快还清贷款，但月供较高 [15][16] - 30年期贷款月供更可负担，15年期贷款长期来看总成本更低 [16] 历史与当前利率水平参考 - 历史上最低的30年期固定抵押贷款利率为2.65%，出现在2021年1月 [19] - 在当今市场环境下，除非承接卖方在2020或2021年锁定的可承继抵押贷款，否则很难获得2.75%的利率 [18] - 再融资利率通常略高于购房贷款利率 [13]

抵押贷款利率走势 - 30年期固定抵押贷款利率下降3个基点至6.15%，15年期固定利率下降相同幅度至5.48% [1] - 30年期利率在短短三周内下降超过0.25个百分点 [1] - 经济学家预计在2025年底之前不会出现大幅度的抵押贷款利率下降 [13] 当前各类抵押贷款利率水平 - 当前30年期固定抵押贷款利率为6.15%（购房）和6.24%（再融资） [5][16] - 15年期固定抵押贷款利率为5.48%（购房）和5.73%（再融资） [5] - 5/1可调整利率抵押贷款（ARM）利率为6.30%（购房）和6.47%（再融资） [5] - 30年期VA贷款利率为5.54%（购房）和5.78%（再融资） [5] 不同贷款期限的成本比较 - 40万美元30年期贷款（利率6.15%）月供约为2,437美元，总利息支出为477,289美元 [8] - 40万美元15年期贷款（利率5.48%）月供约为3,264美元，总利息支出为187,536美元 [8] - 15年期抵押贷款利率通常低于30年期抵押贷款利率 [7] 固定利率与可调整利率抵押贷款特点 - 固定利率抵押贷款的利率从第一天起锁定 [10] - 可调整利率抵押贷款（如7/1 ARM）在头七年利率锁定，之后每年根据经济和合同规定变化 [11] - 可调整利率有时起始低于固定利率，但初始锁定期结束后利率有上升风险 [12] 抵押贷款利率未来展望 - 美联储于2024年9月18日将联邦基金利率下调50个基点，并在11月和12月各下调25个基点 [13] - 美联储于2025年9月17日进行首次降息，幅度为25个基点 [14] - 市场预计2025年底前还有两次降息，下一次降息概率接近99% [14] - 2026年抵押贷款利率可能小幅下降，但任何降幅可能相对较小 [18]

Mortgage rates have decreased this week. According to Zillow, the average 30-year fixed mortgage rate has dropped by 10 basis points to 6.18%, and the 15-year fixed rate is down seven basis points to 5.51%. Because rates have been inching down, now could be a good time to buy a house. There's less competition than in the summer months, and the stress that often accompanies the holiday season hasn't arrived yet. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow ...

The current 30-year fixed mortgage rate has fallen by two basis points to 6.18%. According to Zillow data, this marks its lowest point since early October 2024. The government shutdown is contributing to lower mortgage rates, but processing times for FHA and VA loans are taking longer. So, if you qualify for favorable terms on a conventional loan, the current low rates could make this a good time to buy a home. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow ...