2025年10月,在美联储第一次削减利率之后,抵押贷款利率略有下降,但仍然居高不下。 Mortgage rates dropped slightly in October 2025 after the Fed’s first rate cut, but remain high.

截止2025年10月6日,平均30年固定利率抵押贷款为6.47%,低于9月美联储第一次削减利率导致的先前高点,尽管仍然远远高于大流行病时代的低点。 As of October 6, 2025, the average 30-year fixed-rate mortgage is 6.47%, down from earlier highs due to the Federal Reserve’s first rate cut in September, though still well above pandemic-era lows. 5年和7年的ARM率分别为7.05%和7.27%,调整上限为限制风险。 Rates for 5-year and 7-year ARMs are 7.05% and 7.27%, respectively, with adjustments capped to limit risk. 重新融资可能使借款人受益,他们可以将利率至少降低一整个百分点、获取股权或转换贷款类型,但适用成本和信贷要求。 Refinancing may benefit borrowers who can lower rates by at least a full percentage point, access equity, or switch loan types, but costs and credit requirements apply. 利率因贷款类型和个别金融因素如信用分数和债务与收入比率而异。 Rates vary based on loan type and individual financial factors like credit score and debt-to-income ratio.