Mortgage Rates Ease This Fall | Helping U Navigate Real Estate, Life Transitions, and Crisis

The avg. 30-yr fixed slipped to the low-7% range recently, its first weekly dip after steady gains and a move off the past 52-wk peak.
Borrowing still cost more than a year earlier: the 30-yr stayed >1 percentage point higher yearly, while the 15-yr also eased slightly, guiding affordability planning.
In 2026, the 30-yr began near ~6% in Early-Q1, touched a near-6% low in Mid-Q1, then climbed steadily through Late-Q3 into Early-Q4.
On a $400K 30-yr loan, the latest dip cut principal-and-interest by ~$22 mo, reinforcing advice to get fresh quotes, compare lenders, and consider locks.
Near-term expectations point to low-to-mid 7%, with small moves, so buyers can budget for current rates while low-rate owners sit tight for now.