2025年后期,抵押贷款利率稳定在6.36%左右,库存低,预测不一,影响着住房市场的前景。 Mortgage rates held steady near 6.36% in late 2025, with low inventory and divergent forecasts shaping the housing market’s outlook.

2025年底,抵押贷款利率稳定在6.36%左右,住房库存仍然很低,约为735 969套住房,限制了市场复苏,尽管11月的待售房量增长了3.3%。 Mortgage rates stabilized around 6.36% in late 2025, with home inventory remaining low at about 735,969 homes, limiting market recovery despite a 3.3% November rise in pending home sales. 工业领导人敦促在提高符合贷款限额时谨慎行事,并寻求政策改革,以改善独立放款人获得资本的机会。 Industry leaders urge caution on raising conforming loan limits and seek policy reforms to improve access to capital for independent lenders. Fannie Mae和MBA项目在2027年的前景不同,Fannie预测销售和再融资增长会更强劲,而MBA预期收益会更慢。 Fannie Mae and MBA project divergent 2027 outlooks, with Fannie forecasting stronger sales and refinance growth, while MBA expects slower gains. 由于价格稳定和利率略低, 经济实惠性改善被认为是2026年市场平衡的支. Improved affordability, driven by stable prices and slightly lower rates, is credited with supporting market balance heading into 2026. 同时,一个长期存在的抵押贷款新闻平台,即抵押贷款Orb, 18年后就关闭了。 Meanwhile, MortgageOrb, a long-standing mortgage news platform, is shutting down after 18 years.