Mortgage Rates Dip — What That Means Nationwide

Mortgage rates recently ticked down to one of their lowest levels in over a year. As of early December 2025, the average 30‑year fixed rate is about 6.19 %, and the 15‑year fixed sits around 5.44 %. Freddie Mac+1 That drop may improve affordability for many buyers — meaning monthly payments could be more manageable than earlier in the year.

For buyers who’ve been waiting on rates to fall, this could be a sign to take another look. For sellers, calmer rates might bring more qualified buyers back into the market. As always, I help clients — in Huntsville, Denver, or anywhere in between — interpret how national trends align with local supply, pricing and timing.

Disclaimer: Mortgage rates and economic conditions can shift quickly. Always connect with a lender or financial advisor for your personal situation.

Rates are down — at least for now. Could be a good moment to reconsider buying or refinancing. Curious how today’s rates affect what you can afford? Send me a message and I’ll run the numbers with you.

#MortgageRates

#HomeBuying

#RealEstateNews

#HousingMarket

#HomeLoans

Curious how today’s rates affect what you can afford? Send me a message and I’ll run the numbers with you.