Freddie Mac Reports 30-Year Mortgage Rate Drops to 6.06 Percent
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Freddie Mac's latest Primary Mortgage Market Survey reveals that the average 30-year fixed-rate mortgage dropped to 6.06% as of January 15, 2026, down from 6.16% the previous week and significantly lower than 7.04% a year ago. The average 15-year fixed-rate mortgage also fell to 5.38%, compared to 5.46% last week and 6.27% a year earlier. The survey targets conventional, conforming loans for borrowers with excellent credit and a 20% down payment.
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