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GCA Forums News Weekend Edition From November 17 Through November 24 2025
NATIONAL BREAKING NEWS REPORT: NOVEMBER 17 TO NOVEMBER 24, 2025
Housing and Mortgage Lending
- Mortgage Rates: By the end of October 2025, the 30-year fixed mortgage rate was about 6.17.
- While that number is lower than the rate from earlier this year, which hovered above 7.0, it is still lower than the rates during the peak of the COVID-19 pandemic.
- As for the rates for 2026, analysts expect them to be between 6.0% and 7.0%, with the expectation that they will dip below 6.0% by the end of 2026, if inflation cools.
- Housing Market: With high interest rates remaining, the market will continue to be challenging for many buyers to enter.
- That said, modest price increases and flat pricing growth are likely to occur in most areas of the market.
- The phenomenon known as golden handcuffs remains in effect, keeping homeowners with low rates during the pandemic reluctant to move.
Politics and National Interest
- Fed Policy: The Fed implemented rate cuts of two quarter points in September and October 2025, with the expectation that a third cut would follow in December.
- Shutdown Effects: The possibility of a U.S. government shutdown in early November led to increased demand for gold as a haven.
Up to the Moment Economic and Financial Information
Dow Jones and Other Markets
- Although no specific Dow Jones number was provided for this report, a high level of market volatility with respect to the Dow has been observed, as evident in the dependent market risk stemming from Fed policy and trade uncertainty.
Interest Rates
- Federal Funds Rate: The Fed recently cut rates, aiming to encourage growth.
- However, mortgage rates are still driven by expectations of inflation alongside bond yields.
- Current Rates: As of November 2025, the current average rate for a 30-year fixed mortgage is 6.26%.
- According to forecasts, this is expected to drop very mildly to 6.5% by the end of the year.
- Gold: On November 24, 2025, Spot gold traded at $1,053.40/oz, after peaking for the year in October at $1,381/oz.
- The end of the year is also predicted to see the price of gold fall to a range of $3,800-$ 4,200/oz. Two thousand twenty-six long-term gold price forecasts are between $4,500 $5,000/oz.
- Silver: Spot silver traded for $48.74/oz as a result of haven demand in early November.
- Other Metals: Platinum was priced at $1,567/oz as of November 2025; this metal rose by 0.4%.
- Palladium is priced at $1,434/oz as of November 2025.
- The price of this metal rose by 1.1%.
- Geopolitical Tensions: The U.S.-China trade relationship, along with the tariffs they impose, and the gold equity markets.
- Inflation and Fed Policy: If the Fed were to signal a decrease in its rates, it would likely boost the gold price.
- However, due to the current inflation rate, the gold price may remain depressed.
- Safe Haven Demand: Investors’ nervousness about the current economic and political climate is driving the surge in gold prices above the $4,000/oz mark.
- Outlook:
- Overall, gold prices are expected to remain above $4,000/oz, which is likely to be the range.
- However, this is contingent on the strength of the dollar.
- Mortgage Rates: The 2025 rate is expected to be 6.5%, assuming no inflationary shocks.
- Housing: Slight increases in pricing but constrained supply due to rate lock-in effects.
Stay informed about federal updates and global events for timely insights.
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1 Reply
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