End-of-2025 Mortgage Rates Hit 3-Year Lows

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Mortgage rates are slowly dropping in 2025, reaching a three-year low.

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Even small reductions, like 25 basis points, can make monthly payments noticeably cheaper.

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Adjustable-rate mortgages (ARMs) offer rates under 6%, with future adjustments to consider.

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Making a large down payment boosts affordability and encourages lenders to offer better rates.

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Savvy buyers can lock in under 6% now—act quickly before rates rise again.