With sales activity stuck in neutral through the first four months of the year, there’s not much to suggest that the 2025 housing market will be vastly improved from 2023 or 2024. But mortgage leaders and economists are expressing cautious optimism even as the cost of a home loan remains higher than Americans would like.

Data at HousingWire’s Mortgage Rates Center on Tuesday shows that 30-year and 15-year conventional loan rates were averaging 6.89% and 6.71%, respectively. The 30-year rate has dropped 6 basis points (bps) in the past week while the 15-year rate is details ⇒

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