AI168🌐 中文
AI168 Finance

Finance & Mortgage Dashboard

Live Freddie Mac mortgage rates, Fed rate cut outlook, USD/CNH FX & home loan calculator.

US Benchmark Mortgage Rates

Source: Freddie Mac PMMS (Updated Daily)
30-Year Fixed Rate0.05%
6.12%APR 6.24%

30-Year term based on conforming loan limit.

15-Year Fixed Rate0.03%
5.48%APR 5.62%

15-Year term based on conforming loan limit.

5/1 Adjustable Rate (ARM)0.02%
5.85%APR 6.38%

30-Year term based on conforming loan limit.

30-Year FHA Government Loan0.04%
5.95%APR 6.72%

30-Year term based on conforming loan limit.

NYC Smart Mortgage Engine

Interactive Mortgage & Budget Calculator

Auto-synced with Freddie Mac benchmark 30Y fixed rates. Calculate PITI & HOA in seconds.

Estimated Payment$4,084/ month
P&I: $3,304Property Tax: $680Insurance: $100
$680,000
20% ($136,000)
30 Years
%
%
/月
Loan Principal$544,000
Down Payment$136,000
Total Interest$645,440
Total Loan Cost$1,189,440

Need Pre-Approval or Mortgage Refinancing?

Connect with NYC licensed bilingual mortgage brokers. Zero consultation fees.

Find Mortgage Pros →
Federal Reserve Easing Cycle

Federal Funds Target: 4.75% - 5.00%

According to CME FedWatch, the probability of an additional 25 bps rate cut in November stands at 88%. As core inflation moderates toward the 2% target, US 30-year mortgage rates are expected to test the 5.8% threshold by year-end, opening a prime refinancing window for NYC homebuyers and commercial borrowers.

Nov FOMC Cut Prob88%CME FedWatch Gauge

Foreign Exchange & Offshore RMB (CNH)

Real-Time Spot FX
USD/CNH+0.03%
7.1245

US Dollar / Offshore RMB (CNH)

24h高: 7.132024h低: 7.1180
USD/CNY+0.02%
7.1180

US Dollar / Onshore RMB (CNY)

24h高: 7.125024h低: 7.1120
USD/HKD-0.01%
7.7725

US Dollar / Hong Kong Dollar

24h高: 7.774024h低: 7.7710
USD/CAD+0.06%
1.3815

US Dollar / Canadian Dollar

24h高: 1.383024h低: 1.3790

Wall Street Indices & Safe-Haven Assets

S&P 500 Index
5,864.67
+23.45 (+0.4%)
Nasdaq Composite
18,518.61
+115.82 (+0.63%)
Dow Jones Industrial
43,275.91
+36.14 (+0.09%)
Spot Gold (XAU/USD)
2,721.4$/oz
+22.10 (+0.82%)
US 10-Year Treasury Yield
4.08%
-0.02 (-0.49%)

Looking for a Licensed Mortgage Broker in NYC?

Access verified professionals for conventional loans, non-QM bank statement loans & commercial refinancing.