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What are todays interest rates?

Key takeaways Looking at the past four decades, the average rate on a 30-year fixed mortgage peaked in 1981, rising just above 16 percent. The average 30-year fixed rate bottomed in 2021 at just under 3 percent. So far in 2025, the average 30-year mortgage rate has fluctuated between 6.72 percent and 7.19 percent.

What is the note rate on a loan?

A note rate is the interest rate that you pay on your mortgage loan, as stated on the promissory note that you sign when you agree to the terms of the loan.

What are the current Freddie Mac rates?

Change Average RatesCurrent1 week 30 Yr. Fixed 6.67% +0.02% 15 Yr. Fixed 5.83% +0.03%

Does Freddie Mac allow 3% down?

The Freddie Mac HomeOne mortgage is a low-down-payment program for first-time homebuyers with guidelines set by the Federal Home Loan Mortgage Corporation (FHLMC), more commonly known as Freddie Mac. Eligible buyers can purchase homes with only a 3% down payment, regardless of income or buying location.

What is todays 30-year fixed rate?

Hear Davids take on the latest OCR decision and interest rates update ANZ Special6 Months 5.89%Floating ASB 6 Months 5.89% Floating 6.89% BNZ 6 Months 5.79% Floating 6.94% Kiwibank Special 6 Months 5.79% Floating Westpac Special 6 Months 5.89% Floating