Mortgage rates ended 2025 at their annual lows, offering a chance to secure a rate below the national average. Analysis reveals lenders offering the lowest rates, with factors like credit score and debt-to-income ratio influencing rates. Strategies to secure the lowest rate include buying discount points and making a larger down payment. Adjustable-rate mortgages and assumable mortgages are also options to consider. While rates are currently in the low-to-mid-6% range, keeping an eye on future opportunities for refinancing is advised. The lowest mortgage rate ever recorded was 2.65% in January 2021.

Read more at Yahoo Finance: 8 strategies for getting the lowest mortgage rates in 2026