Mortgage rates just hit a new high—30-year fixed at 6.696%, 15-year fixed at 6.036%, and 5/1 ARMs at 6.637%—but don’t panic: these are still lower than last year’s levels. Rates vary by lender and location, so shop around. Choose a 30-year for low monthly payments (but more interest), a 15-year for faster payoff and big savings, or an ARM for a lower initial rate—if you plan to move before the rate adjusts. Experts predict rates will stabilize around 6.4–6.5% through the end of 2026.
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