Mortgage rates today December 24, 2025: What homebuyers need to know this Christmas Eve

Mortgage rates today: US mortgage rates are seeing a slight dip as 2025 concludes. This offers some breathing room for buyers facing high borrowing costs. The average 30-year fixed-rate mortgage is now 6.149%. Experts note that rates in the 2-3% range are unlikely to return soon. Homebuyers can explore strategies like rate buydowns and shopping around to secure better terms.