🏡 Mortgage Market Update – November 17, 2025

Mortgage rates remain in the mid-6 percent range for 30-year fixed loans, reflecting some stability but also limited movement. At the same time, borrowing conditions are still tougher than in recent years—meaning every decision needs a strategic lens.

While rates aren’t climbing rapidly, they have ticked higher in recent weeks after hitting annual lows earlier. That means if you’re considering a purchase or refinance, the “perfect timing” window may be narrowing. On the positive side, rate levels still remain better than many of the peaks seen earlier in 2025.

Affordability remains a major factor for both buyers and homeowners. Even though rates are improved compared to earlier in the year, monthly costs and qualifying thresholds continue to challenge many. Market data show activity improving modestly, but many households remain cautious.

👉 Next step for you
Whether you’re buying a new home, refinancing your current mortgage, or exploring tapping your home’s equity, now is a solid time to review your options. We can help you assess your loan strategy, lock in smart terms, and move forward with confidence. Let's connect and create a plan tailored to your goals.