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Mortgage Rates Hit a Yearlong 2025 Low — But What’s Next?

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Mortgage rates just dropped again — the 30-year fixed is now averaging 6.17%, the lowest we’ve seen in over a year. The 15-year fixed also dipped to 5.41%.


The good news: More homeowners are taking advantage of this opportunity to refinance and lower their monthly payments.


The catch: After the Federal Reserve’s meeting this week, daily rates started to rise slightly following comments from Fed Chair Jerome Powell suggesting another rate cut in December isn’t guaranteed.


Even with some short-term volatility, rates remain much better than they were last year. This could be a great time to explore your options before the market shifts again!


If you’ve been considering buying or refinancing in Hawaii, now might be the right moment to take a closer look.

About Nichole Ehrbar


Nichole Ehrbar is a Realtor® with ZT Real Estate, specializing in Hawai‘i’s diverse real estate market. Known for her deep local insight and commitment to helping families find their place in paradise, Nichole guides clients through every step of the buying and selling process with care, clarity, and Aloha.


Let’s connect: If you’re thinking about making a move or have questions about Hawai‘i’s market trends, Nichole is happy to help.


Nichole Ehrbar

RS-84140 | ABR, GREEN, RSPS, C2EX

C: (808) 238-8336 - Call or text anytime!

Brokered by ZT Hawaii



 
 
 

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