Скачать или смотреть Mortgage Rates Hold Below 6.5% as August 2025 Begins

Mortgage rates are holding steady as August 2025 begins, giving buyers a slight breather. The average 30-year fixed rate is 6.44%, and the 15-year fixed is at 5.73%, according to Zillow.
While these rates are lower than earlier this year, they remain far above the 2–3% levels seen just a few years ago. Experts don’t expect rates to dip below 6% until late 2026.
A $300,000 loan at 6.44% on a 30-year term means monthly payments of about $1,884, with over $378,000 in interest over the loan’s life. A 15-year term at 5.73% raises payments to $2,488 but cuts interest to about $148,000.
Adjustable-rate mortgages, like 5/1 and 7/1 ARMs, start lower but can rise later. Right now, ARM rates aren’t much lower than fixed rates, so shopping around is key.
You can secure a better rate with a bigger down payment, strong credit, and a low debt-to-income ratio. Buying discount points can also lower rates temporarily, but you’ll need to weigh the upfront cost.
Looking ahead, rates are likely to stay above 6%, with changes tied to inflation data, Federal Reserve policy, and upcoming economic reports.
Bottom line — if you find a rate and home you like, locking in before the next market shift could be a smart move. For financing options, contact Nadlan Capital Group.

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