Mortgage Interest Rates Overview and Trends

As of June 2024, mortgage interest rates in the U.S. remain elevated compared to the historic lows seen during the pandemic. Here’s a quick overview:

Current Mortgage Rates (Approx.)

30-year fixed-rate mortgage: ~6.8% - 7.2%

15-year fixed-rate mortgage: ~6.1% - 6.5%

5/1 ARM (adjustable-rate mortgage): ~6.0% - 6.4%

(Rates vary by lender, credit score, and loan terms.)

Key Factors Influencing Rates

Federal Reserve Policy: The Fed has kept the federal funds rate high (5.25%-5.50%) to combat inflation, indirectly pushing mortgage rates up.

Inflation Trends: If inflation cools further, rates may stabilize or dip slightly.

Economic Data: Strong job markets and GDP growth can keep rates elevated.

Housing Demand: High home prices and limited supply contribute to rate pressures.

Outlook for 2024

Most experts predict rates will stay in the 6%-7% range for the rest of 2024.

A Fed rate cut (possibly in late 2024) could bring modest relief, but don’t expect sub-5% rates soon.

What Should Borrowers Do?

If buying: Compare lenders, improve your credit score, and consider locking a rate if you find a good deal.

If refinancing: Wait only if you expect a significant drop (unlikely soon).

Would you like help finding today’s exact rates in your area?

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