As the 2025 spring homebuying season approaches — and the tone is set for what the rest of the year could look like — the long-term costs of a home loan are inching lower even as fears of inflation, unemployment and tariffs loom large.

HousingWire’s Mortgage Rates Center showed that 30-year fixed rates for conventional loans stood at 7.05% on Tuesday. That was down 2 basis points (bps) from a week ago and 5 bps lower than two weeks ago.

Rates for 15-year conventional loans have been a roller coaster ride in recent months and have dropped back details ⇒

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