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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.

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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.

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Doug Mahoney Doug Mahoney is a writer covering home-improvement topics, ...