Mortgage rates saw slight fluctuations as of Thursday, September 5, 2025, with the average 30-year fixed-rate mortgage holding steady at 6.96%. Meanwhile, the 15-year fixed-rate mortgage inched up slightly to 6.26%, and the average rate for a 30-year jumbo loan landed at 7.14%. Experts suggest that rates may continue to move in response to upcoming economic data, particularly around inflation and the Federal Reserve’s stance on future interest rate hikes. Borrowers navigating today’s market should weigh both the current rates and long-term affordability before locking in a mortgage.
The national housing market remains in a state of adjustment, with elevated mortgage rates continuing to dampen buyer enthusiasm. As affordability challenges persist, many prospective homeowners and real estate investors are reassessing their strategies. Those able to secure financing now may benefit if rates decline in the future, allowing for refinancing opportunities, although the timing remains uncertain given evolving economic trends.
For those interested in Arizona real estate investing, these national rate trends present a timely opportunity to assess market entry strategies. The Arizona market remains competitive, but higher borrowing costs could lead to more motivated sellers and greater negotiation leverage. Investors should monitor both local housing supply and broader financing dynamics to determine optimal investment timing. For more insights on Arizona real estate investing, visit Arizona Investor News.
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