Mortgage Rates Near 3-year Lows

Sun, 12 Apr 2026 12:30:25 +0000

**Mortgage Rates Near 3-year Lows: A Growing Trend Shaping Homeownership in 2025** Could mortgage rates be at their lowest in nearly three years? That’s the growing question many U.S. homebuyers and existing homeowners are asking. As economic shifts unfold and housing affordability remains a central concern, rates trending toward or near 3-year lows are capturing widespread attention—driven by durable demand, rising incomes, and a recalibration of borrowing strategies in a slower but more stable market. Recent data shows mortgage borrowing costs have dropped significantly compared to multi-year averages, positioning rates near a historical low range over the past several months. This movement isn’t just a statistical blip—it reflects broader patterns: lower inflation, adjusted Federal Reserve policy, and a strong retention of shorter-term financing options amid cautious but active buyer sentiment. ### Why Mortgage Rates Near 3-year Lows Is Gaining US Attention