According to recent reports, mortgage interest rates have experienced a significant decrease following a drop in inflation rates. On December 17, 2025, the average 30-year fixed-rate mortgage stood at 3.73%, marking a slight decrease from the previous day's rate of 3.78%. This trend continued on December 18, 2025, with rates falling even further to 3.68%.

Experts believe that the recent decline in inflation, coupled with economic uncertainty, has led to these favorable mortgage interest rates. With inflation at its lowest in years, potential homebuyers and current homeowners alike may benefit from these lower rates.

Despite the positive news, experts caution that the economic landscape remains unpredictable, and rates could fluctuate in the coming weeks. However, borrowers looking to secure a mortgage or refinance their current loan may want to take advantage of the current favorable rates.

Overall, the recent drop in inflation has created a window of opportunity for those in the market for a mortgage. By keeping a close eye on interest rates and economic indicators, potential homebuyers and homeowners can make informed decisions to secure the best possible rates for their financial needs.