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18 Sep 2025 12:42
US 30-year mortgage interest rates near three-year low
After staying elevated in recent years, the US mortgage interest rates are slipping now in anticipation of Fed resorting to further rate cuts after it delivered a 25-basis point reduction in borrowing costs yesterday. Media reports noted that the US 30-year fixed mortgage rates have dropped to an average of 6.13%. That's the lowest level in three years, and represents a steep decline from around 7% threshold seen the past two years. As a result of this, both mortgage loan applications and mortgage refinancing applications have surged, according to the Mortgage Bankers Association's seasonally adjusted index.
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