{"id":48039,"date":"2025-09-17T16:30:24","date_gmt":"2025-09-17T16:30:24","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/mortgage-interest-rates-just-fell-to-a-3-year-low-heres-why-and-what-to-do-now\/"},"modified":"2025-09-17T16:30:24","modified_gmt":"2025-09-17T16:30:24","slug":"mortgage-interest-rates-just-fell-to-a-3-year-low-heres-why-and-what-to-do-now","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/mortgage-interest-rates-just-fell-to-a-3-year-low-heres-why-and-what-to-do-now\/","title":{"rendered":"Mortgage interest rates just fell to a 3-year low. Here&#8217;s why (and what to do now)."},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/17\/5950706f-cbd5-4c7a-af7d-7ccfb03f3ad7\/thumbnail\/620x413\/394836056136535b35f9502fb1c4aa69\/gettyimages-1791404269.jpg#\" alt=\"Row of red toy houses on a fluctuating line graph with transaction volumes indicated as bar chart at the bottom. Illustration of the concept of price changes of real estate properties \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/17\/5950706f-cbd5-4c7a-af7d-7ccfb03f3ad7\/thumbnail\/620x413\/394836056136535b35f9502fb1c4aa69\/gettyimages-1791404269.jpg 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/17\/5950706f-cbd5-4c7a-af7d-7ccfb03f3ad7\/thumbnail\/1240x826\/70bebc7217e0e888f192cd03c89d83e8\/gettyimages-1791404269.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Mortgage interest rates just hit their lowest level since 2022, encouraging borrowers to act strategically now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Dragon Claws\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>After years of elevated borrowing costs, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-mortgage-and-mortgage-refinance-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage interest rates<\/a><\/span> have just taken a sharp turn lower, and homeowners and buyers are taking notice. According to the latest rate data from the Mortgage News Daily, 30-year fixed mortgage rates have <a href=\"https:\/\/www.mortgagenewsdaily.com\/markets\/mortgage-rates-09162025\" target=\"_blank\" rel=\"nofollow noopener\">dropped to an average of 6.13%<\/a>. That&#8217;s the lowest level in three years, and represents a steep decline from the 7% (or higher) rates that defined much of the housing market over the past two years.\u00a0<\/p>\n<p>The shift has already sparked activity. As a result of the rate drop, both mortgage loan applications and mortgage refinancing applications have surged, according to the <a href=\"https:\/\/www.mba.org\/news-and-research\/newsroom\/news\/2025\/09\/17\/mortgage-application-payments-increased-in-latest-mba-weekly-survey\" target=\"_blank\" rel=\"nofollow noopener\">Mortgage Bankers Association&#8217;s seasonally adjusted index<\/a>, and prospective homebuyers are suddenly revisiting home listings that once felt out of reach. For anyone who&#8217;s been sidelined by <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/will-buying-home-be-more-affordable-fall-2025-what-lending-experts-predict\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">higher home borrowing costs<\/a><\/span>, this drop offers a new opportunity.\u00a0<\/p>\n<p>The question now, though, is what&#8217;s driving <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/will-mortgage-interest-rates-drop-again-this-week-september-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">the drop in mortgage rates<\/a><\/span>, and what should you do with this opportunity? That&#8217;s what we&#8217;ll examine below.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/eb02cc182299?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fmortgage-interest-rates-just-fell-to-a-3-year-low-heres-why-and-what-to-do-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how low your current mortgage rate offers are here<\/a>.<\/p>\n<h2><strong>Why mortgage interest rates just fell to a 3-year low<\/strong><\/h2>\n<p>The timing of this mortgage interest rate drop isn&#8217;t coincidental. The Federal Reserve is <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-decision-september-17-fomc-meeting-interest-rates-cut\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">widely expected to cut interest rates<\/a><\/span> for the first time in 2025 at today&#8217;s meeting, and the bond market has already reacted in anticipation. Yields on 10-year Treasury notes \u2014 a key benchmark for mortgage rates \u2014 have slid in recent weeks, pulling mortgage costs down with them.\u00a0<\/p>\n<p>In other words, the current mortgage interest rate environment reflects a classic case of &#8220;buying the rumor.&#8221; The Fed is widely expected to slash rates today by either 25 or 50 basis points, and while the Fed&#8217;s rate decisions don&#8217;t drive mortgage loan pricing, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-factors-drive-mortgage-loan-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">they do have an impact<\/a><\/span> on where mortgage rates head next. So, this drop is the financial markets&#8217; way of pricing in what they think is coming from the Fed.<\/p>\n<p>But while the macro story explains the &#8220;why,&#8221; the bigger issue for borrowers is the &#8220;what next.&#8221; Here are some key steps to consider taking in today&#8217;s lower mortgage rate environment:<\/p>\n<h3><strong>Compare lenders to lock in the best deal<\/strong><\/h3>\n<p>Even when national averages drop, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-get-a-mortgage-rate-below-6-september-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">the actual rate you&#8217;re offered<\/a><\/span> can vary significantly from one lender to the next. Online lenders, local banks and credit unions may all quote different rates and closing costs, and the spread can add up to thousands of dollars over the life of your loan. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-homebuyers-should-and-shouldnt-do-immediately-after-rate-cut-mortgage-experts-say\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Shopping around<\/a><\/span> is one of the easiest ways to take advantage of the current low-rate environment \u2014 and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/should-you-lock-in-a-mortgage-rate-september-2025-experts-weigh-in\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">locking in a rate quickly<\/a><\/span> can protect you if markets shift again.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/eb02cc182299?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fmortgage-interest-rates-just-fell-to-a-3-year-low-heres-why-and-what-to-do-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start comparing mortgage lenders and loan offers here<\/a>.<\/p>\n<h3><strong>Check your credit before applying<\/strong><\/h3>\n<p>Lenders typically reserve their lowest advertised rates for borrowers with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-good-credit-score-determining-factors\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">strong credit profiles<\/a><\/span>. If your score is in the high 700s or above, you&#8217;re likely to qualify for the most competitive offers. If not, you could face higher costs, even with today&#8217;s market drop. So, pull your credit reports, take steps to\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-remove-negative-items-from-your-credit-report\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">correct any errors<\/a><\/span>, and, if possible, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-now-is-a-critical-time-to-pay-off-credit-card-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">pay down revolving debt<\/a><\/span> before applying. These steps can move your score in the right direction and save you money long term.<\/p>\n<h3><strong>Get preapproved if you plan to buy<\/strong><\/h3>\n<p>With demand expected to pick up as mortgage rates fall, competition among buyers could intensify. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-pre-approval-benefits\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Getting preapproved for a mortgage loan<\/a><\/span> signals to sellers that you&#8217;re serious and financially prepared, which can give you an edge in a bidding war. Preapproval also clarifies your borrowing limit, making it easier to search for homes that fit your budget.<\/p>\n<h3><strong>Consider refinancing if your current rate is high<\/strong><\/h3>\n<p>Millions of homeowners locked in mortgages at rates above 7% in 2023 and 2024. For these homeowners, today&#8217;s average rates could represent meaningful monthly savings. A <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-to-consider-about-mortgage-refinancing-september-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage loan refinance<\/a><\/span> can reduce your monthly payment, cut interest costs over time or even allow you to pay off your loan faster by switching to a shorter term. Just be sure to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-closing-costs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">factor in closing costs<\/a><\/span> and weigh how long you plan to stay in your home before deciding if refinancing makes sense.<\/p>\n<h3><strong>Don&#8217;t overlook adjustable-rate loans<\/strong><\/h3>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-an-adjustable-rate-mortgage-arm\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Adjustable-rate mortgages<\/a><\/span> (ARMs) have made a comeback as borrowers seek lower initial payments. With mortgage rates now at multi-year lows, some buyers may want to consider a 5\/1 or 7\/1 ARM, especially if they don&#8217;t plan to stay in their home long term. These loan products can offer a significantly lower starting rate than fixed loans, though they carry risks if rates rise again in the future. It&#8217;s a strategy worth weighing carefully if you fit this borrower profile.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Mortgage rates haven&#8217;t been this low in three years, creating a rare opportunity for both buyers and existing homeowners. The drop is tied to shifting economic conditions and market expectations of Fed action, but the window of opportunity\u00a0could be temporary. So, if you&#8217;ve been holding off on buying a home or refinancing your current mortgage, now may be the time to act. Just remember that the best results come from being proactive. Compare offers, polish your credit and secure financing now, before demand heats up again.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-interest-rates-fall-3-year-low-september-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage interest rates just hit their lowest level since 2022, encouraging borrowers to act strategically now. Dragon Claws\/Getty Images After<\/p>\n","protected":false},"author":1,"featured_media":48040,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-48039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage interest rates just fell to a 3-year low. 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