05/05/2026
๐ก Waiting for 3% rates again? You might be waiting a long time.
Current average national fixed rates are still moving, but buyers are also seeing something they didnโt have as much of before: more options and more negotiating room.
๐ Current averages:
๐ 30-Year Fixed: 6.30%
๐ 15-Year Fixed: 5.64%
๐
As of April 30, 2026
Source: Freddie Mac PMMSยฎ
Hereโs the thingโฆ the rate matters, but so does the price, payment, seller concessions, closing costs, and your long-term plan.
A higher rate doesnโt always mean a bad deal โ especially if you can negotiate better terms today and refinance later when the numbers make sense.
Thinking about buying or refinancing? Letโs look at the full picture, not just the rate. ๐ฒ
Jason & Jenni Lomonte โ 1st Class Real Estate
๐ฒ 816-935-4107 C | 816-919-0044 C
๐ jasonlomonte.1stclassre.com
๐ข 1st Class Real Estate KC
๐ 2023 Washington St, Kansas City, MO