September 2025 rates slightly lower Posted on September 22, 2025September 22, 2025by Teresa Boardman According to Freddie Mac, mortgage rates have gone down to 6.26%, which is still high. Last year at this time, rates were 6.9% on a 30-year mortgage. Rates have been higher than that low all year. Freddie Mac Rate Survey Sept 18 2025 For most, renting is cheaper than buying.