Mortgage interest rates have gradually declined for much of 2025. sakchai vongsasiripat/Getty Images

If you're a borrower who thought the holiday season would cause a lull in the mortgage rate climate, think again. Not only have mortgage interest rates been gradually but noticeably declining all year long , but they're set to potentially fall again this week, timed to the Federal Reserve's final 2025 meeting and what is widely expected to be another interest rate cut .

While that cut is only expected to be in another 25 basis point amount, every little bit here helps. After cuts were issued in September and October for the same increments, mortgage interest rates subsequently fell to and remained near 3-year lows . So, while rates may decline again this week, they could alre

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