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When will mortgage rates go down? The outlook heading into 2026.

personal finance :: 2026-01-07 :: source - yahoo finance

By E. Napoletano

Mortgage rates may have decreased only slightly last week, but the decline marks a significant moment: The 30-year fixed mortgage rate has dropped to its lowest point in 2025. The national average 30-year rate is now 6.15%, according to Freddie Mac. So, what does this mean for the upcoming 2026 housing market? Will mortgage rates continue to go down?

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