Lenders Build Mortgage Rate Buffer Amid Economic Uncertainty
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最新报道：As of December 6, 2024, the average 30-year fixed-rate mortgage (FRM) was 6.69%, while the 15-year FRM averaged 5.96%, both showing a slight decline from previous periods. The 10-year Treasury note rate stood at 4.17%, resulting in a risk premium spread of 2.52% over the 30-year FRM, above the historical average of 1.5%, indicating lender caution amid potential economic risks. Adjustable-rate mortgages (ARMs) averaged 6.33%, below the 30-year FRM but above the 15-year, reducing their appeal for most homebuyers. Higher mortgage rates have constrained purchasing power, dampening demand and pressuring sellers to adjust prices.
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