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As of December 29, 2025, mortgage and refinance interest rates remain largely unchanged, continuing a two-month trend of relative stability. This plateau follows a period of heightened volatility earlier in the year, driven by inflationary pressures and monetary policy shifts by the Federal Reserve.
The average 30-year fixed mortgage rate hovers near 6.87%, while the 15-year fixed rate remains around 6.12%. Refinance rates have followed the same trajectory, showing minimal fluctuation since late October. This steady pattern suggests growing market confidence that the Fed is nearing the end of its rate hikes, with inflation showing signs of moderation.
For borrowers, this environment offers a window of predictability. Homebuyers who delayed decisions earlier this year due to rising rates may see this as a more stable entry point. However, rates remain well above the historic lows seen during the pandemic, so affordability remains a concern.
In summary, while rates have not decreased, their stability offers some relief for both buyers and refinancers navigating the current high-rate environment.
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- Author:NEWSWIRE INDIA
- URL:https://www.newswireindiaonline.com//article/2d9a4a5b-472c-8184-8f5d-e0e5c1b3c566
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