Mortgage Rates — December 30, 2025
Mortgage rates are basically flat today, with the 30-year fixed at 6.20% (+0.01). Jumbo holds at 6.37% and the 7/6 SOFR ARM stays at 5.72%. Rates remain near 2025 lows, but the next move still hinges on Treasury yields and Fed expectations.
Mortgage rates are basically flat today, with the 30-year fixed at 6.20% (+0.01). Jumbo holds at 6.37% and the 7/6 SOFR ARM stays at 5.72%. Rates remain near 2025 lows, but the next move still hinges on Treasury yields and Fed expectations.
Today’s mortgage rates (snapshot)
| Product | Current | 1 day | 1 week | 1 month | 1 year | 52W low | 52W high |
|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed | 6.20% | +0.01% | -0.04% | -0.02% | -0.86% | 6.13% | 7.26% |
| 15 Yr. Fixed | 5.75% | +0.01% | +0.00% | -0.03% | -0.71% | 5.60% | 6.59% |
| 30 Yr. FHA | 5.84% | +0.01% | -0.04% | -0.02% | -0.55% | 5.82% | 6.59% |
| 30 Yr. Jumbo | 6.37% | +0.00% | -0.05% | -0.03% | -0.93% | 6.10% | 7.45% |
| 7/6 SOFR ARM | 5.72% | +0.00% | -0.09% | +0.02% | -1.28% | 5.59% | 7.25% |
| 30 Yr. VA | 5.86% | +0.01% | -0.03% | -0.02% | -0.54% | 5.85% | 6.60% |
What changed today
- Tiny uptick, no trend break: Most products are up +0.00% to +0.01% on the day.
- Still near the low end of the year: The 30-year fixed is only 0.07% above its 52-week low (6.13%), and well below the 52-week high (7.26%).
- ARMs remain meaningfully cheaper (for now): The 7/6 SOFR ARM at 5.72% undercuts the 30-year fixed by 0.48%, but comes with future reset risk.
The macro backdrop (last 1–2 days)
- Fed expectations still matter, even if the Fed doesn’t “set” mortgage rates. New reporting on the Fed’s December meeting minutes highlighted a close call and internal debate around inflation vs. labor-market weakness—exactly the kind of push-pull that can move bond yields and, in turn, mortgage pricing. (AP News)
- Mortgage rates remain in the “low-6%” lane lately. Freddie Mac’s weekly survey showed the average 30-year fixed rate around 6.18% (as of Dec 24), consistent with today’s ~6.2% snapshot. (Freddie Mac)
- Demand is still sensitive: MBA reported mortgage applications down 5.0% for the week ending Dec 19—buyers/refi borrowers are still reacting to affordability and rate volatility. (MBA)
- Bond market watch: Multiple outlets continue to point to the 10-year Treasury as the key transmission channel into mortgage rates (especially 30-year fixed). (The Wall Street Journal)
Vlad: what I’d watch next
- 10-year Treasury yield direction (usually the cleanest real-time tell for where 30-year fixed rates want to go). (The Wall Street Journal)
- Next inflation and jobs prints → can shift Fed expectations quickly. (AP News)
- Purchase demand + refi activity (MBA weekly) → helps confirm whether rates are actually “working” for buyers. (MBA)
Not financial advice. Do your own due diligence.
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