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Mortgage rates today: Will rates fall soon? Heres the latest mortgage rate forecast as a Fed rate cut looms

Mortgage rates are holding steady as December opens. Zillow shows the 30-year fixed at 6.11% and the 15-year at 5.52%. Realtor.com now projects the 2026 average near 6.3%, slightly below 2025s 6.6%. Markets are watching the Fed, with a December rate cut still uncertain. Any move may keep mortgage costs in a tight, modestly lower range.