{"id":3605,"date":"2025-09-15T07:41:33","date_gmt":"2025-09-15T11:41:33","guid":{"rendered":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/?p=3605"},"modified":"2025-09-15T07:41:33","modified_gmt":"2025-09-15T11:41:33","slug":"mortgage-interest-rate-update-12","status":"publish","type":"post","link":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/2025\/09\/15\/mortgage-interest-rate-update-12\/","title":{"rendered":"Mortgage Interest Rate Update"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"897\" height=\"1024\" src=\"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2025\/09\/250915-kitchen-897x1024.jpg\" alt=\"\" class=\"wp-image-3606\" srcset=\"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2025\/09\/250915-kitchen-897x1024.jpg 897w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2025\/09\/250915-kitchen-263x300.jpg 263w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2025\/09\/250915-kitchen-768x876.jpg 768w, https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-content\/uploads\/2025\/09\/250915-kitchen.jpg 1000w\" sizes=\"auto, (max-width: 897px) 100vw, 897px\" \/><\/figure>\n\n\n\n<p>Mortgage interest rates have continued to decline over the past 30 days. As of this week, the average U.S. rate for a 30-year fixed mortgage is 6.35%, down from 6.58% a month ago. Some borrowers have even reported locking in rates below 6% online. While most forecasts suggest this downward trend may continue gradually through 2025, it&#8217;s unclear whether the expected Fed rate cuts are already priced into current mortgage rates.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Compared to the long-term average of 7.71%, today&#8217;s rates offer significant savings\u2014about $91 less per month per $100,000 borrowed. However, rates are still slightly higher than they were a year ago. Over the past 12 months, the average monthly payment on a $100,000 30-year fixed mortgage has increased by approximately $15. If you were to take out the current maximum conventional mortgage of $806,500, your monthly payment today would be about $120 higher than it would have been in September 2024.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage interest rates have continued to decline over the past 30 days. As of this week, the average U.S. rate for a 30-year fixed mortgage is 6.35%, down from 6.58% a month ago. Some borrowers have even reported locking in rates below 6% online. While most forecasts suggest this downward trend may continue gradually through [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27,3,1],"tags":[12,16,15,20,19,17],"class_list":["post-3605","post","type-post","status-publish","format-standard","hentry","category-home-buying","category-mortgages","category-real-estate","tag-home-buying","tag-manatee-county","tag-real-estate","tag-real-estate-agent","tag-realtor","tag-sarasota-county"],"_links":{"self":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/3605","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/comments?post=3605"}],"version-history":[{"count":1,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/3605\/revisions"}],"predecessor-version":[{"id":3607,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/posts\/3605\/revisions\/3607"}],"wp:attachment":[{"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/media?parent=3605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/categories?post=3605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bridgettbyzewski.com\/real-estate-blog\/wp-json\/wp\/v2\/tags?post=3605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}