Mortgage rates are shifting fast this Thursday—30-year fixed dropped to 6.58%, 15-year fixed edged up to 6.01%, and the volatile 5/1 ARM plunged 20 basis points to 6.31%. Refinance applications are surging over 62% YoY as rates fell more than half a point since May, sparking buyer urgency. Economists watch closely: when the economy falters, rates drop to spur borrowing; when it’s strong, they rise to cool things down. With ARMs swinging wildly and economic uncertainty looming, now’s the time to compare options—and lock in what fits your finances best.
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