Updated
Updated · Yahoo Finance · Aug 25
30-Year Mortgage Rate Slips to 6.63% as 15-Year Fixed Climbs to 5.95%
Updated
Updated · Yahoo Finance · Aug 25

30-Year Mortgage Rate Slips to 6.63% as 15-Year Fixed Climbs to 5.95%

3 articles · Updated · Yahoo Finance · Aug 25

Summary

  • The average 30-year fixed mortgage rate edged down 1 basis point to 6.63% on Aug. 25, while the 15-year fixed rose 7 basis points to 5.95%, Zillow data showed.
  • The mixed move extended to adjustable loans: the 5/1 ARM fell 12 basis points to 6.62%, and the 7/1 ARM stood at 6.40%.
  • Refinance rates were also near purchase levels, with the 30-year fixed refinance average at 6.57% and the 15-year refinance rate at 5.97%.
  • Forecasters still see little relief ahead, with the MBA expecting 30-year rates around 6.60% to 6.70% through 2026 and Fannie Mae projecting 6.70% to 6.80%.

Insights

With headline mortgage rates hiding the true cost of borrowing, what secret factors are lenders using to determine your actual monthly payment?
As inflation keeps mortgage rates stubbornly high, could waiting for a market drop actually cost you more in hidden long-term expenses?
While conventional borrowers face steep costs, how are eligible veterans quietly securing significantly cheaper mortgages in today's elevated market?