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Mortgage Rates Edge Up: 30-Year Hits 6.16%

1/9/2026

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Story summary
  • Federal Home Loan Mortgage Corporation (Freddie Mac) reported that the 30-year fixed-rate mortgage averaged 6.16% this week in 2025, up from 6.15% last week.
  • The 15-year fixed-rate mortgage rose to 5.46%.
  • Experts say rates remain near historical norms and are influenced by Federal Reserve policy and inflation fears, guiding homebuyers to compare rates from multiple lenders.