Following Elections Results and a Fed Rate Cut, Mortgage Rates Stall
Freddie Mac's latest Primary Mortgage Market Survey® shows mortgage rates have stabilized, with the 30-year fixed-rate mortgage averaging 6.78%, slightly down from 6.79% last week and significantly lower than 7.44% a year ago. The 15-year fixed-rate mortgage averaged 5.99%, decreasing from 6.0% last week and 6.76% year-over-year. Chief Economist Sam Khater notes that despite the rate stabilization, affordability remains a challenge for potential homebuyers, with mortgage payments being notably higher compared to rents relative to historical trends over the past three decades.
Il più recente Primary Mortgage Market Survey® di Freddie Mac mostra che i tassi ipotecari si sono stabilizzati, con il mutuo fisso a 30 anni che ha una media del 6,78%, leggermente in calo rispetto al 6,79% della settimana scorsa e significativamente inferiore al 7,44% di un anno fa. Il mutuo fisso a 15 anni ha una media del 5,99%, diminuendo dal 6,0% della settimana scorsa e dal 6,76% rispetto all'anno precedente. Il Chief Economist Sam Khater osserva che, nonostante la stabilizzazione dei tassi, l'affordabilità rimane una sfida per i potenziali acquirenti di case, con i pagamenti ipotecari che sono notevolmente più elevati rispetto agli affitti in relazione alle tendenze storiche degli ultimi trent'anni.
La última Primary Mortgage Market Survey® de Freddie Mac muestra que las tasas hipotecarias se han estabilizado, con la hipoteca a tasa fija a 30 años promediando el 6.78%, ligeramente por debajo del 6.79% de la semana pasada y significativamente menor que el 7.44% del año pasado. La hipoteca a tasa fija a 15 años promediaba el 5.99%, disminuyendo del 6.0% de la semana pasada y del 6.76% en comparación con el año anterior. El economista jefe Sam Khater señala que, a pesar de la estabilización de las tasas, la asequibilidad sigue siendo un desafío para los posibles compradores de vivienda, ya que los pagos hipotecarios son notablemente más altos en comparación con los alquileres en relación con las tendencias históricas de las últimas tres décadas.
프레디 맥(Freddie Mac)의 최신 Primary Mortgage Market Survey®에 따르면, 모기지 금리가 안정세를 보이고 있으며, 30년 고정 금리 모기지가 평균 6.78%로, 지난 주의 6.79%보다 약간 하락하였고 작년의 7.44%보다는 상당히 낮습니다. 15년 고정 금리 모기지의 평균은 5.99%로, 지난 주의 6.0%와 작년 대비 6.76%에서 감소했습니다. 수석 경제학자인 샘 카터(Sam Khater)는 금리 안정화에도 불구하고 주택 구매자에게는 여전히 경제적 부담이 크며, 모기지 상환금이 지난 30년간의 역사적 추세에 비해 렌트비에 비해 상당히 높은 수준이라고 언급했습니다.
Le dernier Primary Mortgage Market Survey® de Freddie Mac montre que les taux hypothécaires se sont stabilisés, avec le prêt hypothécaire fixe sur 30 ans moyenne à 6,78%, légèrement en baisse par rapport à 6,79% la semaine dernière et significativement inférieur à 7,44% l'année dernière. Le prêt hypothécaire fixe sur 15 ans avait une moyenne de 5,99%, en baisse par rapport à 6,0% la semaine dernière et 6,76% par rapport à l'année dernière. L'économiste en chef Sam Khater note que malgré la stabilisation des taux, l'accessibilité reste un défi pour les acheteurs potentiels de maisons, les paiements hypothécaires étant nettement plus élevés par rapport aux loyers par rapport aux tendances historiques des 30 dernières années.
Die neueste Primary Mortgage Market Survey® von Freddie Mac zeigt, dass sich die Hypothekenzinsen stabilisiert haben, wobei die 30-jährigen festen Hypotheken im Durchschnitt bei 6,78% liegen, leicht gesunken von 6,79% in der letzten Woche und deutlich niedriger als 7,44% vor einem Jahr. Die 15-jährigen festen Hypotheken lagen im Durchschnitt bei 5,99%, was einem Rückgang von 6,0% in der letzten Woche und 6,76% im Vergleich zum Vorjahr entspricht. Chefökonom Sam Khater stellt fest, dass trotz der Stabilisierung der Zinsen die Erschwinglichkeit für potenzielle Hauskäufer eine Herausforderung bleibt, da die Hypothekenzahlungen im Vergleich zu den Mieten im historischen Trend der letzten drei Jahrzehnte deutlich höher sind.
- 30-year FRM rates decreased from 7.44% to 6.78% year-over-year
- 15-year FRM rates dropped from 6.76% to 5.99% year-over-year
- Mortgage rates showed signs of stabilization after six weeks of increases
- Mortgage payments are elevated compared to rents, affecting housing affordability
- Overall affordability continues to be a significant barrier for potential homebuyers
MCLEAN, Va., Nov. 14, 2024 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.78 percent.
“After a six-week climb, rates have leveled off, but overall affordability continues to be an issue for potential homebuyers,” said Sam Khater, Freddie Mac’s Chief Economist. “Our latest research shows that mortgage payments compared to rents on the same homes are elevated relative to most of the last three decades."
News Facts
- The 30-year FRM averaged 6.78 percent as of November 14, 2024, down from last week when it averaged 6.79 percent. A year ago at this time, the 30-year FRM averaged 7.44 percent.
- The 15-year FRM averaged 5.99 percent, down from last week when it averaged 6.0 percent. A year ago at this time, the 15-year FRM averaged 6.76 percent.
The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20 percent down and have excellent credit. For more information, view our Frequently Asked Questions.
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability, affordability and equity in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Learn More: Website | Consumers | X | LinkedIn | Facebook | Instagram | YouTube
MEDIA CONTACT:
Mollie Laniado
(571) 382-1784
Mollie_Laniado@FreddieMac.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/340427e2-2779-4bd3-8134-70c540d86beb
FAQ
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