Mortgage rates are still higher-than-expected this year amid the conflict in the Middle East — at the end of 2025, experts predicted that they'd average between 5.90% and 6.30% by the end of 2026.

Lauren (Hansen) Holznienkemper is a lead editor for the small business vertical at Forbes Advisor, specializing in HR, payroll and recruiting solutions for small businesses. Using research and writing ...

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.