Mortgage Rates August 30 2025. 30 year mortgage rate is at 6.32%, compared to 6.12% last week and 7.49% last year. Beginning on july 31, money's daily mortgage rates are a national average and reflect what a borrower with a 20% down payment, no points paid and a 780 credit score —.

A decline in inflation would also press downward on mortgage rates, which tend to move in anticipation of the fed’s rate moves. See how low rates could go in the next year or two.