Mortgage rates are starting 2026 on a slightly friendlier note than much of 2025. Freddie Mac’s latest Primary Mortgage Market Survey shows the average 30-year fixed rate at 6.15% (week ending Dec. 31, 2025), with the 15-year fixed at 5.44%. (Freddie Mac) That’s meaningfully below where rates sat a year earlier and has begun to bring more buyers back off the sidelines. For Q1 2026, the outlook is...
The 2025 Interest Rate Outlook: Your Call to Action to Buy Now As we move into the latter half of 2025, the outlook for interest rates remains a key focus for aspiring homebuyers and real estate investors.1 While the era of historically low rates seen in 2020-2021 is firmly in the rearview mirror, experts largely anticipate a period of relative stability, with potential for modest declines rather than...
Do you have mortgage financing questions? Are you considering buying a home and need a mortgage? Watch our video on some of the differences between conventional and FHA financing. The most popular FHA loan has a low down payment requirement of 3% that allows 100% of the money needed to be a gift from a relative or government agency. FHA is not as strict as the conventional loans on income to debt ratio....
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