US mortgage rates: 30-year home loan rate inches up to 6.16%, stays near 2025 low as housing demand remains cautious

US mortgage rates saw a slight increase this week, remaining near their 2025 lows. While borrowing costs have eased significantly from a year ago, they continue to present a challenge for homebuyers. Despite some relief in monthly payments, housing affordability remains a major hurdle.

Jan 9, 2026 - 00:30
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US mortgage rates: 30-year home loan rate inches up to 6.16%, stays near 2025 low as housing demand remains cautious
US mortgage rates saw a slight increase this week, remaining near their 2025 lows. While borrowing costs have eased significantly from a year ago, they continue to present a challenge for homebuyers. Despite some relief in monthly payments, housing affordability remains a major hurdle.

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