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Mortgage Rates Steady as Homebuyers Seek Below 6%

1/27/2026

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Story summary
  • The average 30-year fixed-rate mortgage in the United States is 6.103%.
  • Three Federal Reserve rate cuts in late 2025 initially lowered mortgage rates.
  • Rates are now expected to remain stable.
  • The Federal Reserve's upcoming meeting may not lead to further rate cuts.
  • Homebuyers are encouraged to shop for rates under 6% as applications rise modestly despite a 3% chance of a reduction this week.