Okay, so mortgage rates are "fluctuating slightly without momentum," according to... Mortgage and refinance interest rates today for November 24, 2025: Fluctuating slightly without momentum some Zillow data dump? Big freakin' deal. We've been stuck in this Groundhog Day of fractional moves for weeks. Weeks! As if a .01% change is going to suddenly unlock the American Dream for anyone.
Let's be real, these "current interest rates" – hovering around 6% for a 30-year fixed – are still highway robbery compared to the fantasy land of 2020/2021. We're talking about paying hundreds of thousands of dollars extra over the life of a loan. And for what? A house that's probably overpriced to begin with?
They keep throwing around that "mortgage calculator" like it's some kind of magic eight ball. Punch in your numbers, get depressed, repeat. It’s not a solution; it’s a slow-motion train wreck. The average 30-year fixed is 6.11%? The 15-year is 5.62%? So what. It's like choosing between getting punched in the face and kicked in the gut.
And these "experts" saying rates "aren't expected to drop drastically"? No freakin' kidding. They've been saying that for months. It's the financial equivalent of "thoughts and prayers." Meaningless.
Oh, and let's not forget the Fed. The article mentions the possibility of another rate cut. Another quarter of a percentage point. Woo-hoo. That'll totally make a difference. It's like putting a Band-Aid on a severed limb.
The Fed cuts rates, and everyone acts like it's Christmas. But what if it's just a temporary sugar rush before the inevitable crash? Are we really supposed to trust these guys to steer the economy when they couldn't even see the last recession coming?
I saw one source mention Trump's "policies such as tariffs and deportations" as something to fear. Give me a break. As if that's the only thing messing with the housing market. Let’s not pretend like decades of reckless monetary policy and corporate greed have nothing to do with it.
The article even touches on the "golden handcuffs" – people stuck in their homes because they have ridiculously low rates from the pandemic era. It’s true. My neighbor has a rate under 3%. He’s not moving unless his house burns down.
But wait, what about the people who didn't get those sweet deals? The ones who bought in 2023 or 2024 when rates were sky-high? Are they just screwed? Offcourse, they are.
And what's with the constant push to "improve your credit score" and "lower your debt-to-income ratio"? As if everyone can just magically snap their fingers and become financially perfect. Some of us are dealing with student loans, medical bills, and a rigged system that keeps us perpetually broke. Telling us to "save more" is like telling a starving person to just eat more.
The whole thing is a scam. A slow, agonizing, soul-crushing scam designed to keep us indebted and working until we drop dead. The "American Dream" of homeownership? More like the American nightmare of endless debt. Don't expect a miracle, because ain't nobody coming to save you.
