Some national lenders are offering 30-year fixed-rate mortgages near 5.5%. Yahoo Finance's weekly survey reveals Navy Federal, Citi Mortgage, and PenFed Credit Union leading with rates at 5.5%. Even with fees, APRs approach 5.7%.

These rates, based on a median 715 credit score and 20% down on a $411k home, have been sub-6% since November. Lower rates unlock inventory, helping first-time buyers and sellers. To secure deals, prepare your down payment, check your credit, and shop multiple lenders. The spread between best and worst rates consistently exceeds 1%.