08/07/2026
Rates ticked up again this week, landing above where they were this time last year for the first time in nearly a year. That doesn't mean pump the brakes. It means get ahead of it. Talk to your lender now about where you actually qualify, not where a headline says rates are. Every buyer's number is different. If you're thinking about a purchase in Jacksonville, St. Johns, or Nassau County this fall, let's map out a plan before rates move again.
The average 30-year mortgage rate rose to 6.69%, its highest level in just over a year, further limiting buyers’ purchasing power. The 15-year rate slipped to 6.01%.
