These are today's mortgage and refinance rates. Mortgage rates are supposed to drop next year, but that hinges on inflation remaining low.

Current U.S. mortgage rates show mixed trends, with the 30-year fixed rate steady at 6.45% and the 15-year fixed dipping slightly to 5.80%, according to Yahoo Finance.

A drop in mortgage rates for the first time in two months has sparked a surge in home purchase applications, breathing new life into the stagnant housing market.

These are today's mortgage and refinance rates. Mortgage rates have been elevated this month, and they may only drop a little bit next year.

Rates on new 30-year home loans held their ground at a slightly lower level Tuesday, after sinking dramatically Monday. Movement was mixed for other loan types.