These are today's mortgage and refinance rates. Mortgage rates are expected to ease this year, but that hinges on inflation coming down.

After a recent surge to their most expensive level since early July, 30-year mortgages ticked down Friday. Rates for most other loans were down or flat.

Mortgage costs stayed stubbornly high in 2024, with 30-year fixed rates holding well above 6% for most of the year. Unfortunately for buyers, 2025 isn't looking much better. The Federal Reserve has been cutting interest rates,

These are today's mortgage and refinance rates. Mortgage rates are up from one year ago, and they might not drop much this year.