US Purchase Rates Lower Than Refi | “Your dream home, guided by a local team you can trust.”

Recently, US purchase mortgage rates eased and stayed below refinance offers, with 30-yr fixed in the mid-6% range and 15-yr near 6%.
National refinance pricing also stayed mostly in the 6% range, with 30-yr fixed above purchase loans while 15-yr and 7/1 products looked similar.
ARMs still offered competitive opening pricing, but they fit best for borrowers planning a shorter stay before the initial fixed period ended.
Choosing between terms remained a payment-versus-interest decision: 30-yr loans lowered monthly costs, while 15-yr loans saved interest for borrowers comfortable with higher payments.
Looking ahead, forecasters expected US 30-yr mortgage rates to hold in the mid-6% range through 2026, signaling limited near-term movement for borrowers nationally.