Mortgage Rates Remained Flat This Week
Freddie Mac's Primary Mortgage Market Survey® (PMMS®) shows mortgage rates remained flat this week, with the 30-year fixed-rate mortgage (FRM) averaging 6.35%, unchanged from last week. The 15-year FRM averaged 5.47%, down from 5.51% last week. Compared to a year ago, both rates are significantly lower, with the 30-year FRM down from 7.12% and the 15-year FRM down from 6.52%.
Sam Khater, Freddie Mac's Chief Economist, noted that markets are awaiting the August jobs report. Despite lower rates, home sales have been lackluster. However, homeowners who bought in recent years are taking advantage of declining rates to lower their monthly payments through refinancing.
Il Rapporto Primario sul Mercato dei Mutui di Freddie Mac (PMMS®) mostra che i tassi mortgage sono rimasti stabili questa settimana, con il mutuo fisso a 30 anni (FRM) che ha una media del 6,35%, invariato rispetto alla settimana scorsa. Il mutuo fisso a 15 anni ha avuto una media del 5,47%, in calo rispetto al 5,51% della settimana precedente. Rispetto a un anno fa, entrambi i tassi sono significativamente più bassi, con il FRM a 30 anni in calo dal 7,12% e il FRM a 15 anni in diminuzione dal 6,52%.
Sam Khater, Economista Capo di Freddie Mac, ha osservato che i mercati stanno aspettando il rapporto sull’occupazione di agosto. Nonostante i tassi più bassi, le vendite di case sono state deludenti. Tuttavia, i proprietari di case che hanno acquistato negli ultimi anni stanno cogliendo l’opportunità dei tassi in calo per abbassare i loro pagamenti mensili attraverso il refinancing.
La Encuesta del Mercado Hipotecario Primario de Freddie Mac (PMMS®) muestra que las tasas hipotecarias se mantuvieron estables esta semana, con la hipoteca a tasa fija a 30 años (FRM) promediando el 6.35%, sin cambios desde la semana pasada. La hipoteca a tasa fija a 15 años promedió el 5.47%, bajando desde el 5.51% de la semana anterior. En comparación con hace un año, ambas tasas son significativamente más bajas, con el FRM a 30 años bajando desde el 7.12% y el FRM a 15 años bajando desde el 6.52%.
Sam Khater, Economista Jefe de Freddie Mac, señaló que los mercados están a la espera del informe de empleo de agosto. A pesar de las tasas más bajas, las ventas de viviendas han sido mediocres. Sin embargo, los propietarios que compraron en años recientes están aprovechando las tasas en declive para reducir sus pagos mensuales mediante la refinanciación.
Freddie Mac의 주요 모기지 시장 조사 (PMMS®)에 따르면 모기지 금리가 변동이 없었습니다. 이번 주 30년 고정 금리 모기지(FRM)의 평균 금리는 6.35%로, 지난 주와 동일합니다. 15년 FRM의 평균 금리는 5.47%로, 지난 주의 5.51%에서 하락했습니다. 1년 전과 비교할 때, 두 금리는 모두 상당히 낮으며, 30년 FRM은 7.12%에서 하락하고, 15년 FRM은 6.52%에서 하락했습니다.
Freddie Mac의 수석 경제학자인 Sam Khater는 시장이 8월 고용 보고서를 기다리고 있다고 언급했습니다. 금리가 낮음에도 불구하고 주택 판매는 부진했습니다. 그러나 최근 몇 년간 구매한 주택 소유자들은 금리 하락을 이용해 월별 지출을 줄이고 있습니다.
La Sondage sur le marché hypothécaire primaire de Freddie Mac (PMMS®) montre que les taux hypothécaires sont restés stables cette semaine, avec un prêt hypothécaire à taux fixe sur 30 ans (FRM) moyen à 6,35%, inchangé par rapport à la semaine dernière. Le FRM de 15 ans a enregistré une moyenne de 5,47%, en baisse par rapport à 5,51% la semaine précédente. Par rapport à l’année dernière, les deux taux sont significativement plus bas, le FRM à 30 ans étant passé de 7,12% et le FRM à 15 ans de 6,52%.
Sam Khater, économiste en chef de Freddie Mac, a noté que les marchés attendent le rapport sur l’emploi du mois d’août. Malgré des taux plus bas, les ventes de maisons ont été médiocres. Cependant, les propriétaires ayant acheté ces dernières années profitent des taux en baisse pour réduire leurs paiements mensuels grâce à un refinancement.
Freddie Macs Primärhypothekenmarktumfrage (PMMS®) zeigt, dass die Hypothekenzinsen diese Woche stabil geblieben sind, mit einem 30-jährigen Festzinsdarlehen (FRM), das im Durchschnitt 6,35% beträgt, unverändert seit letzter Woche. Das 15-jährige FRM hatte einen Durchschnitt von 5,47%, gesunken von 5,51% in der letzten Woche. Im Vergleich zum Vorjahr sind beide Zinssätze erheblich niedriger, wobei das 30-jährige FRM von 7,12% und das 15-jährige FRM von 6,52% gesunken ist.
Sam Khater, Chief Economist von Freddie Mac, stellte fest, dass die Märkte auf den Arbeitsbericht für August warten. Trotz niedrigerer Zinsen waren die Hausverkäufe schwach. Allerdings nutzen Hausbesitzer, die in den letzten Jahren gekauft haben, die sinkenden Zinsen, um ihre monatlichen Zahlungen durch eine Refinanzierung zu senken.
- 30-year fixed-rate mortgage (FRM) averaged 6.35%, significantly lower than 7.12% a year ago
- 15-year FRM averaged 5.47%, down from 6.52% a year ago
- Homeowners are refinancing to lower monthly payments
- Home sales remain lackluster despite lower mortgage rates
MCLEAN, Va., Sept. 05, 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 6.35 percent.
“Mortgage rates remained flat this week as markets await the release of the highly anticipated August jobs report,” said Sam Khater, Freddie Mac’s Chief Economist. “Even though rates have come down over the summer, home sales have been lackluster. On the refinance side however, homeowners who bought in recent years are taking advantage of declining mortgage rates in order to lower their monthly payments.”
News Facts
- The 30-year FRM averaged 6.35 percent as of September 5, 2024, unchanged from last week. A year ago at this time, the 30-year FRM averaged 7.12 percent.
- The 15-year FRM averaged 5.47 percent, down from last week when it averaged 5.51 percent. A year ago at this time, the 15-year FRM averaged 6.52 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:
Angela Waugaman
(703)714-0644
Angela_Waugaman@FreddieMac.com
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/62f90cd2-5751-4de0-801b-aabbc3ab60cb
FAQ
What was the average 30-year fixed-rate mortgage (FRM) for Freddie Mac (FMCC) as of September 5, 2024?
How does the current 30-year FRM rate compare to the same period last year for Freddie Mac (FMCC)?
What was the average 15-year fixed-rate mortgage (FRM) for Freddie Mac (FMCC) as of September 5, 2024?
How are homeowners responding to the declining mortgage rates, according to Freddie Mac (FMCC)?
