The housing market is ‘thawing’ from a ‘months-long freeze,’ Freddie Mac says, as mortgage rates continue their downward trek

The 30-year fixed-rate mortgage averaged 6.13% as of January 26, according to data released by Freddie Mac on Thursday.

That’s down 2 basis points from the previous week — one basis point is equal to one hundredth of a percentage point.Rates are now at the lowest level since mid-September 2022.The drop in rates has prompted many homeowners to refinance, and convinced some buyers to purchase a home. Mortgage demand rose 7% in the latest week, according to a separate report by the Mortgage Bankers Association.

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