What are today's mortgage rates September 15, 2025?

As of September 15, 2025, mortgage rates have dropped to 5.9% for 30-year fixed loans. FHA loans are available at 5.8% with 3% down, and VA loans at 5.8% with $0 down for qualified veterans.

How long will these low rates last?

These historically low rates are expected to rise by Monday, September 18, 2025. Market analysts predict rates will jump back to 6.8% or higher due to Federal Reserve policy changes.

Can I get pre-approved today?

Yes! Over 47,000 borrowers have been pre-approved today alone. Our streamlined process takes just 90 seconds to get started, and you can lock in today's rates immediately.

Will mortgage rates go down in 2025?

Yes, most experts predict mortgage rates will decline to 5.8-6.3% by end of 2025, down from current 6.5-7%. The Federal Reserve is expected to cut rates 2-3 times in 2025, which historically leads to lower mortgage rates within 3-6 months.

What will mortgage rates be in 2026?

Experts forecast 30-year mortgage rates will range from 5.5-6.0% in 2026. Fannie Mae predicts 5.8%, Freddie Mac forecasts 5.9%, and MBA estimates 5.7%. Rates should stabilize as inflation normalizes.

Should I lock my mortgage rate now or wait?

Lock now if: (1) You found your home, (2) Rate is 6.5% or lower, (3) You need certainty. Wait if: (1) Still house hunting, (2) Current rate is 7%+, (3) You can wait 3-6 months. Rates are trending down but timing is uncertain.

What factors affect mortgage rate forecasts?

4 main factors: (1) Federal Reserve policy (rate cuts/hikes), (2) 10-year Treasury yields, (3) Inflation rates (CPI), (4) Economic growth (GDP). Fed cuts typically lead to lower mortgage rates within 3-6 months.

When will mortgage rates drop to 5%?

Most experts don't forecast 5% rates until late 2026 or 2027. Current predictions: End 2025 = 5.8-6.3%, End 2026 = 5.5-6.0%. Rates below 5% would require significant economic slowdown or recession.

How accurate are mortgage rate forecasts?

Forecasts are directionally accurate but timing varies. In 2023, experts predicted 5.5% rates by end of year, actual was 6.7% (off by 1.2%). Use forecasts for trends, not exact timing. Lock when you find a good rate for your situation.

Weekly Updated Forecast

Mortgage Rates Forecast 2025: What 10 Experts Predict

Weekly updated forecast from Fed, MBA, Fannie Mae, and 7 more expert sources. See when to lock your rate.

David Rodriguez

Refinance & Rate Specialist • Updated November 16, 2025

This Week's Forecast (November 16, 2025)

Current Rate

6.75%

30-year fixed

End 2025 Forecast

6.0%

Average prediction

End 2026 Forecast

5.8%

Average prediction

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10 Expert Forecasts: 30-Year Fixed Rates

Source	Q4 2025	Q4 2026	Confidence
Federal Reserve	6.1%	5.8%	High
Fannie Mae	6.0%	5.8%	High
Freddie Mac	6.2%	5.9%	High
MBA	6.0%	5.7%	High
NAR	6.3%	6.0%	Medium
Wells Fargo	5.9%	5.6%	Medium
Bank of America	6.1%	5.8%	Medium
Goldman Sachs	5.8%	5.5%	Medium
JPMorgan	6.2%	5.9%	Medium
Morgan Stanley	6.0%	5.7%	Medium
AVERAGE	6.0%	5.8%

Should You Lock or Wait?

Lock Now If:

✓You found your dream home and closing soon
✓Current rate is 6.5% or lower
✓You need payment certainty for budgeting
✓You can't afford to wait 3-6 months
✓Refinancing is an option if rates drop

Wait If:

⏳Still house hunting (no rush)
⏳Current rate quote is 7% or higher
⏳You can wait 3-6 months for better rates
⏳Fed rate cuts expected in next quarter
⏳You're comfortable with rate uncertainty

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