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5% Mortgage Rates Are Here. Will They Last?
Government-sponsored enterprises increased mortgage-backed securities purchases in 2025, lowering spreads and pushing 30-year mortgage rates below 6%, with a 5.87% average reported.
- Recent weekly data show 30-year mortgage rates moved into the 5% range in the week ending Feb. 26, 2026, the lowest since September 2022.
- A narrowing spread between mortgage-backed securities and the U.S. Treasury 10-year note made MBS more attractive, helping pull mortgage rates lower as bond demand rose, driven by falling Treasury yields.
- Mortgage benchmarks to the 10-year Treasury note create spreads as lenders pay premiums for mortgage-backed securities risk, but large buyers uninterested in returns narrow spreads, lowering mortgage rates.
- Homeowners looking to refinance stand to benefit from lower rates since they can act quickly, but prospective home buyers may face limited gains due to tight housing inventory and competition.
- Fannie Mae and Freddie Mac expanded MBS holdings through 2025, and FHFA Director Bill Pulte clarified they would make some purchases after caps were raised, while critics compare the move to Federal Reserve buying.
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5% Mortgage Rates Are Here. Will They Last?
Mortgage rates continue to be at the lowest level we've seen in a few years. It's welcome news for homeowners looking to refinance, since they can react quickly to rate shifts. But will these numbers stick around long enough to…
Coverage Details
Total News Sources28
Leaning Left3Leaning Right5Center3Last UpdatedBias Distribution46% Right
Bias Distribution
- 46% of the sources lean Right
46% Right
L 27%
C 27%
R 46%
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