U.S. mortgage rates fell for the third consecutive week, hitting the lowest level of 2025.

US mortgage rates have declined for the third consecutive week, reaching the lowest level of the year by the end of 2025.

Freddie Mac stated in a press release on Wednesday that the average rate for 30-year fixed-rate loans is 6.15%, down from 6.18% last week.

Since the Federal Reserve resumed rate cuts in September, US mortgage rates have edged lower over the past few months, attracting some homebuyers back to the market. The National Association of Realtors (NAR) reported this week that contracts signed for existing home sales in November rose to the highest level since early 2023, marking the fourth consecutive month of increase.

Many economists predict this trend will continue into the new year. As wage growth outpaces inflation, buying a home is becoming more affordable, even if mortgage rates do not decline significantly.

Realtor.com’s chief economist Joel Berner said: “If this momentum carries into the 2026 homebuying season, we may see noticeably stronger sales data than most of 2025.”

However, some analysts point out that, given signals from the Federal Reserve that it may pause further rate cuts, it remains uncertain whether rates will decline significantly in the coming months.

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