Mortgage Rates Show Little Movement
Freddie Mac's Primary Mortgage Market Survey® (PMMS®) shows little movement in mortgage rates, with the 30-year fixed-rate mortgage (FRM) averaging 6.78%, up slightly from 6.77% last week. The 15-year FRM averaged 6.07%, up from 6.05% last week. Despite rates decreasing nearly half a percent from their peak earlier this year, buyers continue to pause, as reflected in declining new and existing home sales data.
Compared to a year ago, the 30-year FRM is slightly lower (6.81% in 2023), while the 15-year FRM is also lower (6.11% in 2023). The PMMS® focuses on conventional, conforming, fully amortizing home purchase loans for borrowers with 20% down payment and excellent credit.
Il Primary Mortgage Market Survey® (PMMS®) di Freddie Mac mostra poco movimento nei tassi ipotecari, con il mutuo a tasso fisso di 30 anni (FRM) che mediamente è al 6.78%, in aumento leggero rispetto al 6.77% della settimana scorsa. Il FRM di 15 anni ha avuto una media del 6.07%, in aumento rispetto al 6.05% della settimana precedente. Nonostante i tassi siano diminuiti di quasi mezzo punto percentuale rispetto al loro picco all'inizio di quest'anno, i compratori continuano a farsi da parte, come evidenziato dai dati in calo sulle vendite di nuove e di case esistenti.
Rispetto a un anno fa, il FRM di 30 anni è leggermente più basso (6.81% nel 2023), mentre anche il FRM di 15 anni è in diminuzione (6.11% nel 2023). Il PMMS® si concentra su prestiti convenzionali, conformi e completamente ammortizzati per l'acquisto di abitazioni per debitori con un anticipo del 20% e un'ottima reputazione creditizia.
La encuesta sobre el mercado hipotecario primario (PMMS®) de Freddie Mac muestra poco movimiento en las tasas de interés hipotecarias, con la hipoteca a tasa fija a 30 años (FRM) promediando un 6.78%, ligeramente por encima del 6.77% de la semana pasada. La FRM a 15 años promedió un 6.07%, por encima del 6.05% de la semana anterior. A pesar de que las tasas han disminuido casi medio punto porcentual desde su pico a principios de este año, los compradores siguen en pausa, como se refleja en la disminución de los datos de ventas de casas nuevas y existentes.
En comparación con el año anterior, la FRM a 30 años es ligeramente inferior (6.81% en 2023), mientras que la FRM a 15 años también es más baja (6.11% en 2023). La PMMS® se centra en préstamos convencionales, conformes y totalmente amortizados para la compra de viviendas para prestatarios con un pago inicial del 20% y excelente crédito.
프레디 맥의 주요 주택담보대출 시장 조사(PMMS®)에 따르면 주택담보대출 금리는 큰 변동이 없으며, 30년 만기 고정금리 모기지가 평균 6.78%로, 지난주 6.77%에서 소폭 상승했습니다. 15년 만기 고정금리 모기지는 평균 6.07%로, 지난주 6.05%에서 상승했습니다. 올해 초 정점에 비해 거의 반 포인트 퍼센트가 하락했음에도 불구하고, 신규 및 기존 주택 판매 데이터의 감소로 나타난 것처럼 구매자들은 여전히 주춤하고 있습니다.
작년과 비교했을 때, 30년 FRM은 조금 낮아졌고(2023년 6.81%), 15년 FRM도 낮아졌습니다(2023년 6.11%). PMMS®는 20%의 계약금을 지불하고 우수한 신용등급을 가진 차용인을 위한 전통적이고 규정을 준수하는 완전 상환 주택 구매 대출에 초점을 맞추고 있습니다.
La Primary Mortgage Market Survey® (PMMS®) de Freddie Mac montre peu de mouvement dans les taux hypothécaires, avec le prêt hypothécaire à taux fixe sur 30 ans (FRM) qui moyenne 6.78%, en légère hausse par rapport à 6.77% la semaine précédente. Le FRM à 15 ans a donc une moyenne de 6.07%, en hausse par rapport à 6.05% la semaine dernière. Malgré une diminution des taux de près d'un demi-point par rapport à leur pic en début d'année, les acheteurs continuent de faire une pause, comme le montre les données sur la baisse des ventes de maisons neuves et existantes.
Comparé à l'année dernière, le FRM à 30 ans est légèrement plus bas (6.81% en 2023), tandis que le FRM à 15 ans est également plus bas (6.11% en 2023). La PMMS® se concentre sur les prêts hypothécaires conventionnels, conformes et totalement amortis pour l'achat de logements pour les emprunteurs avec un acompte de 20% et un excellent crédit.
Die Primary Mortgage Market Survey® (PMMS®) von Freddie Mac zeigt wenig Bewegung bei den Hypothekenzinsen, wobei das 30-jährige Festzinsdarlehen (FRM) im Durchschnitt bei 6.78% liegt, was einen leichten Anstieg von 6.77% in der Vorwoche bedeutet. Das 15-jährige FRM hatte einen Durchschnitt von 6.07%, ebenfalls gestiegen von 6.05% in der Vorwoche. Trotz eines Rückgangs von fast einem halben Prozentpunkt seit ihrem Höhepunkt zu Beginn dieses Jahres zögern die Käufer weiterhin, was sich in den rückläufigen Verkaufszahlen neuer und bestehender Häuser widerspiegelt.
Im Vergleich zum Vorjahr liegt das 30-jährige FRM leicht niedriger (6.81% im Jahr 2023), während das 15-jährige FRM ebenfalls niedriger ist (6.11% im Jahr 2023). Die PMMS® konzentriert sich auf konventionelle, konforme und vollständig amortisierte Hypothekendarlehen für Immobilienkäufer mit 20% Anzahlung und ausgezeichnetem Kredit.
- Mortgage rates have decreased nearly half a percent from their peak earlier this year
- 30-year FRM rate (6.78%) is slightly lower compared to a year ago (6.81%)
- 15-year FRM rate (6.07%) is lower compared to a year ago (6.11%)
- Buyers continue to pause despite lower rates
- New and existing home sales data are tumbling
- 30-year FRM rate increased slightly from 6.77% to 6.78% week-over-week
- 15-year FRM rate increased from 6.05% to 6.07% week-over-week
MCLEAN, Va., July 25, 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.
“Mortgage rates essentially remained flat from last week but have decreased nearly half a percent from their peak earlier this year,” said Sam Khater, Freddie Mac’s Chief Economist. “Despite these lower rates, buyers continue to pause, as reflected in tumbling new and existing home sales data.”
News Facts
- The 30-year FRM averaged 6.78 percent as of July 25, 2024, up slightly from last week when it averaged 6.77 percent. A year ago at this time, the 30-year FRM averaged 6.81 percent.
- The 15-year FRM averaged 6.07 percent, up from last week when it averaged 6.05 percent. A year ago at this time, the 15-year FRM averaged 6.11 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 | Twitter | 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/2ebcb744-d471-4034-9fd3-44e15355c71f
FAQ
What is the current 30-year fixed-rate mortgage average according to Freddie Mac (FMCC)?
How has the 15-year fixed-rate mortgage changed for Freddie Mac (FMCC) compared to last week?
How do current mortgage rates compare to a year ago for Freddie Mac (FMCC)?
What trend is observed in home sales according to Freddie Mac's (FMCC) Chief Economist?
