A decline in mortgage interest rates could occur before a December Fed rate cut. Chitraporn Nakorn/Getty Images

Mortgage interest rates have been quite volatile in recent years. They were near record lows in 2020 and 2021. Then they surged in 2022 and 2023 . And in 2024 and 2025 they've been on a slow but steady decline , where they remain now at the start of the final month of the year. However, there are no signs that this volatility will ease anytime soon, and in fact, many anticipate additional changes in the final days of the year.

With the Federal Reserve set to meet for the final time of 2025 on December 9 and December 10, anticipation surrounding an interest rate cut is growing. While it will likely only come in a 25 basis point increment, any reduction here will be w

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