Mortgage rates saw significant improvements in 2025, but will that continue this month? Here's what to know now.

Mortgage and refinance interest rates today, January 7, 2026 and will it fall more soon remains a key question for buyers and homeowners. Rates show small weekly changes. This explainer covers mortgage rates,

Fifteen-year mortgage rates fell to a one-month low today. Currently, the average interest rate on a 30-year fixed mortgage is 6.14%, compared to 6.15% a week ago, according to the Mortgage Research Center.

Everything Americans thought they knew about personal finance was upended when the Federal Reserve started aggressively hiking interest rates to cool post-pandemic inflation. After more than a decade of ultralow rates,

The Congressional Budget Office (CBO) has projected that the Federal Reserve will likely reduce short-term rates in 2026, with the key interest rate anticipated to settle at 3.4% by the end of President Donald Trump‘s term in 2028.

The rate on a 30-year fixed refinance rose to 6.22% today, according to the Mortgage Research Center. The average rate on a 15-year mortgage refinance is 5.32%. On a 20-year mortgage refinance, the average rate is 6.

Homeowners saw rates go down this year, as the base rate fell four times. Does 2026 hold further cuts from the Bank of England - and what influences this?

INTEREST rates will reportedly be cut to the lowest level in three years as Britain battles against an unemployment crisis. That is according to Swiss lender Lombard Odier who told The Telegraph

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