Mortgage Market Update for Friday, December 12th, 2025

By Mike Baker · Mortgage Loan Originator · NMLS #259076
Originally published December 12, 2025 · Updated September 29, 2026 · Kansas & Missouri

Archive note: This post originally displayed an automatically updating third-party newsletter. That feed is not a fixed copy of the December 12, 2025 edition. We have replaced the changing embed with clearly labeled resources so newer market news is not presented as historical reporting.

Looking for this week’s mortgage news?

Read the current Rate Shop market newsletter. This external feed changes over time. Check the date on the edition you open; any market averages discussed there are not a personalized loan quote.

Turn a market headline into a useful question

Whether you are buying your first home or moving to your next one, the practical question is not simply whether rates moved. It is whether the payment, closing costs, and cash left after closing fit your plan.

• Already under contract? Ask about the rate-lock expiration and whether it covers your expected closing date.
• Comparing offers? Look at the same loan amount, loan type, points, lender credits, and lock period—not just the headline rate.
• Still planning? Compare a comfortable payment with your savings needs before choosing a price range.

For context on the relationship between policy decisions and home loans, read how the Federal Reserve affects mortgage rates. For an actual offer, use our Loan Estimate review so we can discuss your terms and costs.

Keep exploring

• FAQ: How does a mortgage rate lock work?
• How to compare mortgage offers
• FAQ: What payment can I comfortably afford?

Talk Through My Mortgage Plan →

Mike Baker · The Rate Shop · 913-213-3335 · mike@rateshopkc.com
Educational information, not a commitment to lend. Eligibility, costs, and terms vary by borrower, property, program, and lender.