2025 Interest Rates Mortgage. But according to its 2025 housing forecast, released earlier this month, it now expects rates to end the year around 6.70% and fall to an average of 6.30% in 2025. If mortgage rates were to fall to 6% in 2025, it would make buying a home more affordable.

Simply put, all three firms. Still, major agencies are forecasting rates below 6% by the end of 2025, at least as of this writing.