These are today's mortgage and refinance rates. Mortgage rates have been high in November as expectations around future Fed cuts have shifted.

After a brief dip in September and early October, mortgage rates have crept back up toward the 7% mark. There's a chance they'll fall to 6% by Dec. 31, but a more likely scenario is rates reaching that level in 2025. You can snag a great deal on a mortgage by boosting your credit score, shedding debt, and shopping around.

Mortgage costs are rising - with the average rate on a two-year fixed deal now at 5.5% - despite a recent cut in interest rates. A string of lenders, including Barclays, HSBC, NatWest and Nationwide, have increased the rates charged on new fixed deals in recent days.

Though the Federal Reserve has been cutting interest rates, mortgage rates have been increasing or holding steady. When will potential homeowners see mortgage relief.

Mortgage rates have leveled, leaving Real Estate agents hopeful home buyers will start to comeback to the market and that homeowners will consider refinancing.