Mortgage Rates Move Down

3d image of house with graph falling

“Mortgage rates decreased for the second straight week as we emerged from the Thanksgiving holiday,” said Sam Khater, Freddie Mac’s Chief Economist. “Compared to this time last year, mortgage rates are half a percent lower, creating a more favorable environment for homebuyers and homeowners.”

News Facts

• The 30-year FRM averaged 6.19% as of December 4, 2025, down from last week when it averaged 6.23%. A year ago at this time, the 30-year FRM averaged 6.69%.
• The 15-year FRM averaged 5.44%, down from last week when it averaged 5.51%. A year ago at this time, the 15-year FRM averaged 5.96%.

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