Mortgage Rates Edge Higher: Freddie Mac Reports 30-Year Fixed Rate Hits 6.93% Amid Economic Strength
January 9, 2025
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Freddie Mac (OTCQB: FMCC) reported that the 30-year fixed-rate mortgage (FRM) averaged 6.93% as of January 9, 2025, showing an increase from 6.91% last week and 6.66% a year ago. The 15-year FRM also rose to 6.14%, up from 6.13% last week and 5.87% from the previous year.
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According to Sam Khater, Freddie Mac’s Chief Economist, the economy’s continued strength has put upward pressure on mortgage rates. Combined with high home prices, these factors are affecting housing affordability. The situation is particularly challenging for first-time homeowners due to the lack of entry-level supply in the market.
Freddie Mac (OTCQB: FMCC) ha riportato che il mutuo a tasso fisso a 30 anni (FRM) ha avuto un tasso medio del 6,93% al 9 gennaio 2025, mostrando un aumento rispetto al 6,91% della settimana precedente e al 6,66% di un anno fa. Anche il FRM a 15 anni è salito al 6,14%, rispetto al 6,13% della settimana scorsa e al 5,87% dell’anno precedente.
Secondo Sam Khater, Economista Capo di Freddie Mac, la continua forza dell’economia ha esercitato una pressione al rialzo sui tassi dei mutui. Combinati con i prezzi elevati delle abitazioni, questi fattori stanno influenzando l’accessibilità abitativa. La situazione è particolarmente difficile per i nuovi acquirenti a causa della carenza di offerta di immobili a livello d’ingresso nel mercato.
Freddie Mac (OTCQB: FMCC) reportó que la hipoteca de tasa fija a 30 años (FRM) promedió 6.93% al 9 de enero de 2025, mostrando un aumento desde el 6.91% la semana pasada y el 6.66% de hace un año. La FRM a 15 años también subió al 6.14%, respecto al 6.13% de la semana pasada y al 5.87% del año anterior.
Según Sam Khater, Economista Jefe de Freddie Mac, la continua fortaleza de la economía ha presionado al alza las tasas de las hipotecas. Combinado con los altos precios de las viviendas, estos factores están afectando la asequibilidad de la vivienda. La situación es particularmente desafiante para los compradores por primera vez debido a la falta de oferta de nivel de entrada en el mercado.
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프레디 맥(Freddie Mac) (OTCQB: FMCC)은 30년 고정 금리 모기지(FRM)가 2025년 1월 9일 기준으로 평균 6.93%에 달했다고 보고했으며, 이는 지난주 6.91%와 작년 6.66%에서 증가한 수치입니다. 15년 FRM도 6.14%로 상승했으며, 이는 지난주 6.13%와 지난해 5.87%에서 올랐습니다.
프레디 맥의 수석 경제학자인 샘 카터(Sam Khater)에 따르면, 경제의 지속적인 강세가 모기지 금리에 상승 압력을 가하고 있습니다. 높은 주택 가격과 결합되어 이러한 요인들이 주택의 적정 가격에 영향을 주고 있습니다. 특히 시장에 초급 공급이 부족하여 첫 주택 구매자들에게는 상황이 더욱 어렵습니다.
Freddie Mac (OTCQB: FMCC) a rapporté que le prêt hypothécaire à taux fixe de 30 ans (FRM) était en moyenne de 6,93% au 9 janvier 2025, montrant une augmentation par rapport à 6,91% la semaine dernière et 6,66% il y a un an. Le FRM de 15 ans a également augmenté, atteignant 6,14%, contre 6,13% la semaine précédente et 5,87% l’année dernière.
Selon Sam Khater, économiste en chef de Freddie Mac, la force continue de l’économie a exercé une pression à la hausse sur les taux de prêt hypothécaire. Combinés à des prix élevés pour les maisons, ces facteurs affectent l’accessibilité du logement. La situation est particulièrement difficile pour les primo-accédants en raison du manque d’offre d’entrée sur le marché.
Freddie Mac (OTCQB: FMCC) berichtete, dass die 30-jährigen Festzinshypothek (FRM) am 9. Januar 2025 im Durchschnitt bei 6,93% lag, was einen Anstieg von 6,91% in der Vorwoche und von 6,66% vor einem Jahr darstellt. Auch die 15-jährige FRM stieg auf 6,14%, nach 6,13% in der Vorwoche und 5,87% im Vorjahr.
Laut Sam Khater, dem Chefvolkswirt von Freddie Mac, hat die anhaltende Stärke der Wirtschaft Druck auf die Hypothekenzinsen ausgeübt. In Kombination mit den hohen Hauspreisen beeinflussen diese Faktoren die Erschwinglichkeit von Wohnraum. Die Situation ist besonders herausfordernd für Erstkäufer aufgrund des Mangels an Einstiegsangeboten auf dem Markt.
Negative
- Mortgage rates increased to 6.93% for 30-year FRM, up from 6.66% year-over-year
- 15-year FRM rates rose to 6.14%, up from 5.87% year-over-year
- Housing affordability continues to deteriorate due to high rates and prices
- Lack of entry-level housing supply constrains market growth
MCLEAN, Va., Jan. 09, 2025 (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 6.93 percent.
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“In the first full week of the new year, the 30-year fixed-rate mortgage remained elevated at just under 7 percent,” said Sam Khater, Freddie Mac’s Chief Economist. “The continued strength of the economy has put upward pressure on mortgage rates, and along with high home prices, continues to impact housing affordability. The lack of entry-level supply also remains an issue, especially for those looking to become first-time homeowners.”
News Facts
- The 30-year FRM averaged 6.93 percent as of January 9, 2025, up from last week when it averaged 6.91 percent. A year ago at this time, the 30-year FRM averaged 6.66 percent.
- The 15-year FRM averaged 6.14 percent, up from last week when it averaged 6.13 percent. A year ago at this time, the 15-year FRM averaged 5.87 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
[email protected]
A photo accompanying this announcement is available at
FAQ
What is the current 30-year fixed mortgage rate for Freddie Mac (FMCC) as of January 9, 2025?
The 30-year fixed-rate mortgage averaged 6.93% as of January 9, 2025, up from 6.91% the previous week.
How much have Freddie Mac (FMCC) mortgage rates increased compared to last year?
The 30-year FRM increased from 6.66% to 6.93% year-over-year, while the 15-year FRM rose from 5.87% to 6.14%.
What factors are affecting housing affordability according to Freddie Mac (FMCC)?
According to Freddie Mac, the continued strength of the economy putting upward pressure on mortgage rates, combined with high home prices, is affecting housing affordability.
What is the main challenge for first-time homebuyers according to Freddie Mac (FMCC)?
The main challenge for first-time homebuyers is the lack of entry-level housing supply in the market, combined with high mortgage rates and prices.
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