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TODAY’S MORTGAGE RATES

Mortgage Rates moved down approximately
.05% with The Mortgage Backed Security
(MBS) market trading up + 5 bps over the
past 7 days. The 10 Year U.S. Treasury
currently sits at 4.1763%.

Here are your Average Mortgage
Rates across the country according
to Mortgage News Daily.

A 30 Year Fixed Conventional Rate at
6.29% – equates to a $618.32 Principal
and Interest Payment per $100,000 in
Loan Amount. If you would like me to put
together scenarios for your situation, feel
free to contact me or use my Free
Mortgage Calculator below:

Mortgage Calculator – Green Home Loans

The big news last week was the
FED meeting on Wednesday.
The FED cut the Federal Funds
Rate 25 bps, it’s third 25 bps
cut in a row.

FED chair Jerome Powell’s statements
were positive on a couple items that
impact interest rates. He stated that
inflation was likely near their 2% goal
if you took out the impacts of tariffs.
He also stated that the job market
is still weak and that the job creation
numbers are likely inflated.

Powell feels that the FED Funds
Rate is currently in the high range
of “Neutral”. Meaning that the rate
is not restricting the economy or
promoting expansion. High range
means there could be room for
more rate cuts and the FED rate
would still remain neutral.

The FED also announced that they
will begin buying $40 Billion per month
in Treasury Bills. This was done to
increase reserves and liquidity in
the markets and per Powell, is not
meant as a stimulus to the economy.

Overall, this was a positive meeting
for mortgage interest rates. The FED
meets again on January 28^th and I don’t
expect them to cut at this meeting.

We have a big week this week with
October and November BLS Jobs
reports coming out on Tuesday,
December 16^th. And the Consumer
Price Index (CPI Inflation Report)
for October and November comes
out Thursday, December 18^th.

Low Job Creation / High Unemployment
Rates help mortgage interest rates.
Lower inflation helps interest rates.

Overall, I’m still in the camp that we
will see interest rates go slightly lower
next year with some up and down
points. I see rates dropping .125%
to .5% on the high end. Many consumers
are waiting for interest rates to drop
significantly and I just don’t see anything
but a small decrease. Interest rates at
or near the current levels are the new
normal and those waiting for rates in
the 4%s or anything close to what we
saw during Covid will likely be
disappointed.

There are a lot of characteristics
that go into a mortgage rate –
credit score, investor, loan to
value, loan amount, costs, etc.
Please call me to go over your specific
scenario so we can price your loan
out accurately.

Or you can get a Free Mortgage Quote
or Apply for a Mortgage with the links below.

Thank You! 

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WINTER BUYING AND SELLING GUIDES

Keeping Current Matters has released their
Winter 2026 Buyer and Seller Guides.
If you are a Realtor and would like us to
customize these guides with your info – please
reach out to Kalee@greenhomeloans.com

If you are Consumer, these guides are
full with up-to-date information on what
you need to know when buying or selling
today. Click below to view and download.

BUYER’S GUIDE:

Things to Consider When Buying a Home
The process of buying a home can
be overwhelming at times, but you
don’t need to go through it alone.
You may be wondering if now is a
good time to buy a home … or if
interest rates are projected to rise or
fall. I put together a free eGuide for
you that will answer many of your
questions and likely bring up a few
things you haven’t even thought
about yet. Just click the button
below to read it now!

Read Your Guide Now

SELLER’S GUIDE:

Things to Consider When Selling Your House
It’s difficult to know when is the best
time to sell, or how to get the most
money for your house, but you don’t
need to go through the process alone.
You may be wondering if prices are
projected to rise or fall… or how much
competition you may be facing in the
market. I put together a free eGuide
for you that will answer many of your
questions and likely bring up a few things
you haven’t even thought about yet. Just
click the button below to read it now!

Read Your Guide Now

Hope you have a fantastic week!!