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Tom Cruise Through Brad Pitt’s Eyes: A Look Back at Their Work Together

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Tom Cruise

Tom Cruise: Brad Pitt Shares the One Condition for Starring Together Again

Tom Cruise may be known for his death-defying stunts, but Brad Pitt has just one condition before teaming up with the action star again: keep it on the ground.

In a recent interview with E! News (aired June 12), Pitt joked about the possibility of working with his Interview With the Vampire co-star, saying, “I’m not gonna hang my ass off an airplane or s–t like that,” referring to Cruise’s iconic high-risk stunts in the Mission: Impossible franchise. “I’ll reunite with him when he does something again that’s on the ground,” he added with a laugh.

Despite opting out of airborne action, Pitt praised Cruise and reminisced about their time filming the 1994 vampire classic — especially their go-kart races off set. “He got me in the end,” Pitt admitted. “I gotta admit.”

Cruise has also shown respect for Pitt over the years. Earlier this year, the Top Gun actor shared his excitement for Brad’s upcoming Formula 1 racing movie and even called him a “friend” while reflecting on their old go-kart rivalry.

While a new collaboration might not be in the sky (literally), the mutual admiration between Tom Cruise and Brad Pitt still fuels fans’ hopes of seeing them share the screen once more — hopefully, with two feet on the ground.

Ed Sheeran’s co-writer ‘incredibly relieved’ as Thinking Out Loud case finally ends

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Mark Savage

Music Correspondent

Getty Images Amy Wadge and Ed Sheeran backstage at the 2016 Grammy AwardsGetty Images

Amy Wadge and Ed Sheeran won the Grammy Award for song of the year in 2016

The US Supreme Court has rejected an attempt to revive the long-running copyright trial over his hit song Thinking Out Loud.

On Monday, the court refused to hear an appeal from Structured Asset Sales (SAS), which claimed Sheeran’s song copied Marvin Gaye’s Let’s Get It On, in which it has a copyright interest.

The move ends a decade-long legal battle, including two separate plagiarism trials, both of which ruled in Sheeran’s favour.

“It’s a huge relief,” said Amy Wadge, who co-wrote Thinking Out Loud with Sheeran in 2014. “It’s been rolling news under my life for 10 years but, yes, it’s done.”

Speaking to BBC Radio 4’s Today programme, the Welsh songwriter said the copyright trials had “haunted” her for the last 10 years.

“The absolute truth is that song changed my life. I didn’t have a hit until I was 37 and that was the one.

“I was able to feel like I’d had a hit for a year and then all of a sudden it felt like the wolves were surrounding.

“It was incredibly frightening.”

Ed Sheeran outside his 2023 copyright trial: ‘ I don’t have to retire from my day job after all’

Thinking Out Loud is one of the biggest songs of Sheeran’s career. It spent more than two years in the UK singles chart, racking up 4.8 million sales in the UK, and won song of the year at the 2016 Grammy Awards.

Gaye’s boudoir ballad, which was a number one hit in the US, was co-written with singer-songwriter Ed Townsend, who died in 2003.

Townsend’s family first accused Sheeran and Wadge of copyright infringement in 2016, seeking $100m (£73m) in damages.

In court, Sheeran’s team accepted that the two songs share a similar syncopated chord pattern.

However, they characterised the chords as the “building blocks” of pop music, which had been used in dozens of songs before and since Let’s Get It On was recorded in 1973.

A New York jury ruled in Sheeran’s favour in 2023, after which the star spoke about his decision to fight the case in court, rather than settle.

“I am not and will never allow myself to be a piggy bank for anyone to shake,” he told reporters.

SAS, which was founded and run by investment banker David Pullman, also has a stake in Townsend’s copyright, and sued Sheeran and Wadge separately in 2018.

After losing that case, SAS launched a series of appeals, including demands for a re-hearing, which was denied.

SAS was then left with the option of appealing to the Supreme Court, which it did in March.

But the court agreed with earlier findings that the chord progression and harmonic rhythms in Gaye’s song are too commonplace to be legally protected.

“And no reasonable jury could find that the two songs, taken as a whole, are substantially similar in light of their dissimilar melodies and lyrics,” Judge Michael Park wrote for the New York-based 2nd US Circuit Court of Appeals.

Getty Images Amy Wadge strums a guitar against a purple backdropGetty Images

Amy Wadge’s other songwriting credits include Sam Ryder’s Spaceman, and Kacey Musgraves’ Wonder Woman

Wadge said the ruling had ended “10 long years” of uncertainty.

“It was certainly a financial threat, but there was also… this huge existential threat of what it meant for the world of songwriting I always felt the weight of that.

“People would tell me that everyone was looking at this case and I knew that had [SAS] been successful it really would have caused a huge issue for creativity in general,” she added. “It was a big responsibility.”

After the 2023 trial, Wadge and Sheeran both got tattoos containing a phrase from the judge’s verdict: “Independently created”.

Asked if she would do the same again, Wadge laughed, saying: “My husband might have a bit of a problem with another tattoo.”

The songwriter added that she hasn’t been able to speak to Sheeran since the verdict, as he’s currently on tour in Europe, but she added: “I’m quite sure at some point we’ll be able to sit down and say, ‘Thank goodness’.”

Sanders backs progressive challenger to Thanedar

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Sen. Bernie Sanders (I-Vt.) has declared his support for a progressive primary challenger to Rep. Shri Thanedar (D-Mich.), his first primary endorsement against an incumbent for the upcoming cycle. 

Sanders announced his support for Michigan state Rep. Donavan McKinney (D) on Tuesday, giving him his second congressional endorsement after Rep. Rashida Tlaib (D-Mich.) endorsed him last month. Sanders said in a statement that McKinney understands the struggles that working class communities are facing in Detroit and across the country because he’s experienced them himself. 

“A former union leader, he has dedicated his life to standing with working people, and is ready to lead the struggle against Donald Trump, the oligarchy, and the corporate interests who prioritize profits over people,” Sanders said. “I’m urging all Michiganders to join me in supporting Donavan’s campaign.” 

Progressives are targeting Thanedar after he fended off a primary challenge last year despite facing heightened scrutiny from the left. But they’re hoping to be successful this time in Michigan’s 13th Congressional District. 

McKinney has gone after Thanedar over his significant wealth and is seeking to depict him as an out-of-touch millionaire. He compared the two-term congressman to President Trump and Elon Musk in his campaign launch video and slammed the large amounts of money he lent himself during his last campaign. 

“Senator Sanders has long been a progressive champion for working class Americans, and I am honored to receive his endorsement,” McKinney said in a statement. “His political courage and his commitment to doing the right thing — even when it’s unpopular, even when it’s hard, even if he’s alone — are a true inspiration to me, as is his commitment to fighting for a more just, more equal America.” 

Thanedar initially ran as a progressive for his House seat in 2022 but has faced attacks from the left over his self-funding and other issues. He’s maintained that he hasn’t changed politically and remains popular in his district. 

McKinney has also received support from the progressive group Justice Democrats.

Lockton annual revenue jumps 13% to $4bn

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US-based insurance brokerage Lockton has reported global revenue of $4bn for the fiscal year ending 30 April 2025, up 13% compared with last year.

The company attributed the surge in revenue to nearly 100% organic growth.

International operations exceeded $1bn in revenue, growing 15% in constant currency for the fourth consecutive year of double-digit gains, according to the company’s press release.

In the US, Lockton generated $2.7bn in revenue, up 11% from the previous year.

Lockton Re, the company’s reinsurance division, posted a 29% year-over-year revenue increase.

Lockton CEO and chairman Ron Lockton said: “Lockton is, first and foremost, a growth company, and consistent double-digit organic growth continues to set us apart from our competition.

“As broker consolidation accelerates, Lockton’s independence, performance and consistent commitment to our clients and associates continue to fuel growth and attract best-in-class talent.”

In 2024, Lockton Re expanded its footprint to 22 locations, adding offices in Dublin, Greensboro, Mexico City, Paris, San Francisco and Santiago.

The transaction liability practice reported 59% growth, the statement added.

In 2024, Ron Lockton returned as chairman and CEO, initiating key leadership appointments including Chris Brown as CEO of Lockton International, Travis Leonard as CFO, Tim Ryan as US president, Claude Yoder as chief data, analytics and digital officer, and Mark Jones as International CFO.

Under Brown’s leadership, Lockton International surpassed the $1bn figure, supported by expansions in regions such as India and the Nordics.

New CEOs were also appointed across Asia, Australia and the Middle East/North Africa.

In the US, Lockton added $265m in revenue.

The company appointed Tim Meacham as president of people solutions and established a US industry practices team led by Chris DiLullo, while integrating its property and casualty and professional and executive risk practices under Devin Beresheim.

In February, Lockton launched a data, analytics and digital Office to enhance client services using data, analytics and AI under the direction of Claude Yoder.

“Lockton annual revenue jumps 13% to $4bn ” was originally created and published by Life Insurance International, a GlobalData owned brand.

 


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You can now set up double dates with friends on Tinder 

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In an effort to resonate with younger users amid declining user engagement, Tinder announced on Tuesday the launch of a new Double Date feature, which allows users to team up with friends and chat with potential matches together.

Double Date lets users pair up with a friend and browse through other paired users who share at least one of their individual preferences, such as gender and sexual orientation. When one person in a pair receives a match, a group chat begins with all four participants. Users also have the option to like an individual profile within the match if they prefer to chat one-on-one. Users can invite up to three friends to join in this new dating experience.

By encouraging users to double date with friends, this approach aims to reduce the pressure and anxiety often associated with solo dating, creating a more comfortable environment for everyone involved.

“In early testing, users consistently told us they felt more comfortable to be their authentic selves when connecting as a pair with a friend, which often led to stronger engagement,”  Cleo Long, head of product marketing, told TechCrunch. “The group chat format helps break the ice and makes it easier to plan casual meetups, whether those evolve into friendships, romantic connections, or something in between.”

Image Credits:Tinder

The launch of this new feature follows Tinder’s parent company, Match Group, reporting a 5% decline in paying subscribers, which fell to 14.2 million in the first quarter across its dating apps.

Double Date may be an effort to regain these users while also attracting new ones. According to the company, early testing results were promising, with nearly 12% of users who accepted a Double Date invite being either new or returning users. 

Additional internal data shows that individual users participating in Double Date chats sent 25% more messages than in typical one-on-one conversations. Message volume in these group chats was found to be 35% higher, especially among users under 29.

The Double Date feature was tested in select markets, including parts of Latin America, Spain, and the Nordics. A global rollout of the feature is set for July.

There has been a growing interest in group-oriented dating experiences, with similar apps like Fourplay, DuoDate, and Doubble having success in this niche. Notably, a report from UK-based dating app Slide 1828 found that 48% of Gen Z respondents believe that double dates could alleviate dating anxiety. 

In addition to Double Date, Long pointed to other features, such as Matchmaker and Share My Date, as similar options that help “turn dating into more of a team sport,” she told us. Long noted that a recent Tinder report found that nearly half of singles seek support from friends when navigating the dating scene.

The feature also seems to build upon past concepts, including the earlier Tinder Social, but focuses more on creating a serious yet comfortable dating experience rather than a party atmosphere. 

Boca 2-2 Benfica (Jun 16, 2025) Game Analysis

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After Lionel Messi lit up the Club World Cup opener, Miami’s Hard Rock Stadium was awash in Argentine passion again as Boca Juniors fans turned it into a little Buenos Aires for their team’s 2-2 draw with Benfica on Monday.

A day after draping the shores of Miami Beach in blue and gold on the eve of their team’s debut, the Boca fans chanted their way into the arena and through the game, which put them in second place in Group C behind Bayern Munich after the German champions demolished Auckland City 10-0 on Sunday.

Both teams finished with 10 men after Benfica’s Andrea Bellotti and Boca’s Nicolas Figal picked up straight red cards in a heated contest that saw the Portuguese team cancel out a two-goal deficit.

Boca next face Bayern on Friday in Miami while Benfica will face Auckland City in Orlando, Florida.

After a scrappy opening 20 minutes, the stands trembled when Boca went ahead in the 21st as Lautaro Blanco’s low cross was met by Miguel Merentiel, triggering wild celebrations.

Nicolas Otamendi heads home the tying goal for Benfica in a Club World Cup game against Boca Juniors.
Nicolas Otamendi heads home the tying goal for Benfica in a Club World Cup game against Boca Juniors.

Six minutes later, the Argentine side doubled the tally with a Rodrigo Battaglia header, stunning Benfica, who had been dominating from the onset.

Nicolás Otamendi was then brought down in the box and Benfica earned a penalty following a VAR review and Ángel Di María coolly sent the goalkeeper the wrong way to cut the goal deficit down to one at the stroke of halftime.

Former Manchester United star Ander Herrera, now with Boca and withdrawn after an early injury, was sent off at halftime for arguing the VAR call.

Benfica were down to 10 in the 70th after Bellotti was shown a straight red card for a high kick in the back of the head of Ayrton Costa. It was the first red card of the 31-year-old Belotti’s career.

The Portuguese side, however, levelled six minutes from time when Otamendi found the back of the net with a powerful header, with seven of his eight goals this season coming in such fashion.

The result kept the six-time Copa Libertadores champions’ hopes alive to advance into the knockout phase, which would be a boost for the tournament as South American fans are expected to bring the biggest amount of passion into the stadiums.

Information from Reuters was used in this recap.

Brad Pitt, Girlfriend Ines de Ramon’s F1 Premiere Date Night: Photos

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Pitt’s the one who lost his head for Paltrow on the set of 1995’s Se7en. They were the mid-90s couple, from the top of her slip dress to the ends of his frosted tips. Accepting the Best Supporting Actor Golden Globe for 12 Monkeys in 1996, Brad thanked Gwyneth, his “angel, the love of my life,” and he proposed that December. They even had matching haircuts at one point.

“I take the institution extremely seriously. There are no divorces in my family either—and in his either, so this is not something—we’ve been together for quite some time, so this is not a rash decision,” Gwyneth convincingly told Entertainment Tonight about their engagement. But in June 1997, they broke up.

“When two people aren’t supposed to be together, they’re not supposed to be together,” a defiant Paltrow said in 1998. Fast-forward to 2015, when she told Howard Stern, “I was such a kid, I was 22 when we met. It’s taken me until 40 to get my head out of my ass. You can’t make that decision when you’re 22 years old… I wasn’t ready, and he was too good for me.”

Moreover, her dad, Bruce Paltrow, was “devastated” when they broke up. “My father loved him like a son.” Ultimately, Paltrow said, “I definitely fell in love with him. He was so gorgeous and sweet. I mean, he was Brad Pitt!”

Reality star Kim Woodburn dies at 83

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Reality star Kim Woodburn has died at the age of 83, her manager has confirmed.

The TV personality was best known for appearing on How Clean Is Your House and Celebrity Big Brother star.

Her manager told BBC News: “It is with immense sadness that we let you know our beloved Kim Woodburn passed away yesterday following a short illness.

“Kim was an incredibly kind, caring, charismatic and strong person. Her husband Peter is heartbroken at the loss of his soulmate.

“We are so proud of the amazing things Kim achieved in her life and career.”

This is a breaking news story, further updates to follow.

What we know in the aftermath of the Minnesota shootings

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Tremors spread though the political world on Monday after the weekend’s fatal shooting of a Democratic lawmaker and her spouse in Minnesota, and another shooting, allegedly by the same perpetrator, that injured a second lawmaker and his wife.

The suspect, Vance Boelter, 57, was apprehended late Sunday. He faces murder charges in state courts. On Monday, federal prosecutors also charged him with murder.

Boelter is accused of killing Minnesota state Rep. Melissa Hortman (D) and her husband, Mark, at their home in a Minneapolis suburb in the early hours of Saturday. Prosecutors allege that, shortly before, he had shot state Sen. John Hoffman (D) and his wife, Yvette, at their home. The Hoffmans have undergone surgery and are expected to survive.

Here’s what we know so far.

New details emerge — including other homes targeted

A major development Monday came with the unveiling of the federal charges against Boelter — and the details from prosecutors that accompanied those charges.

Boelter has been charged with murder and stalking.

Federal prosecutors allege that the suspect had visited a total of four lawmakers’ homes. In addition to the two where shootings took place, he is said to have visited an address where his target was not home, and to have left another address without opening fire, perhaps because of police presence there.

Prosecutors did not identify the lawmaker, but state Sen. Ann Rest (D) identified herself, saying that she had been told that Boelter had been close to her home during the hours in question. She thanked local police officers for having “saved my life.”

Authorities said other documentation appeared to show that Boelter had been planning the attacks for months.

Some lawmakers confirm they were on the list

Boelter apparently had a list of targets, as well as copious other plans.

Both of Minnesota’s senators, Sens. Amy Klobuchar (D) and Tina Smith (D), have confirmed that they were on the list. An unnamed law enforcement officer told The New York Times that Reps. Ilhan Omar (D-Minn.), Kelly Morrison (D-Minn.) and Angie Craig (D-Minn.) were also among the targets.

Boelter’s lists also extended beyond Minnesota. Abigail Leavins, a reporter for a website that covers politics in Wisconsin, said that Sen. Tammy Baldwin (D-Wis.) and Rep. Mark Pocan (D-Wis.) were also confirmed to be among the potential targets. Lawrence Andrea of the Milwaukee Journal Sentinel reported that Rep. Gwen Moore (D-Wis.) was on the list, too. 

Multiple media outlets have reported that all the politicians allegedly targeted are Democrats. The list also appears to have included some addresses associated with reproductive rights, including abortion providers and Planned Parenthood clinics.

Federal authorities have declined to identify a clear and specific political motive so far.

But media interviews of Boelter’s friends and acquaintances have formed a picture of a socially conservative, vigorously anti-abortion figure who, at least one friend said, supported President Trump in last year’s election.

In one clip available online, he delivers a sermon to an audience in Africa complaining that many American churches “are so messed up they don’t know abortion is wrong.”

His roommate told reporters that Boelter was “a Trump supporter” who “would be offended if people called him a Democrat.”

GOP senator ignites controversy with social media posts

The tragedy of the killings was soon followed by a political firestorm.

The instigator was Sen. Mike Lee (R-Utah), who on Sunday posted a photo on social media of the suspect with the caption, “This is what happens when Marxists don’t get their way.”

A short time after, Lee sent another post with two photos of the suspect, including one in which he was wearing a mask, with the caption “Nightmare on Waltz Street.”

This was widely interpreted as a reference to Minnesota Gov. Tim Walz (D), former Vice President Kamala Harris’s running mate in the 2024 election. Influencers within the online right have been floating a conspiracy theory about Walz and the shooter, based on the fact that Walz had reappointed Boelter to a state economic panel in 2019.

Democrats and liberals reacted furiously.

Klobuchar told MSNBC on Monday that she “condemned” what Lee had done and said she would “speak to him about this” when they next met.

“What I’m going to tell him is: This isn’t funny,” Klobuchar added.

Smith, at the Capitol, told reporters she was also seeking out Lee for a conversation. The Hill’s Al Weaver posted a photo of the two in conversation soon afterward. 

Weaver also reported that Smith told reporters she wanted Lee to hear from her directly “about how painful that was and how brutal that was to see that on what was just a horrible, brutal weekend.”

Caroline Gleich, who was the Democratic nominee in last year’s Senate race in Utah — ultimately losing to Lee’s colleague Sen. John Curtis (R) — told The Hill in a video interview that Lee’s posts were “absolutely despicable.”

Lee has not deleted the posts. His office did not respond to an invitation to comment.

Misinformation proliferates

The hours since the shooting have seen significant misinformation.

The Minnesota Star Tribune was among the news outlets trying to push the tide of confusion back.

It noted that many members on the state board on which Boelter once served “were not politically connected [nor] would have meaningful access to the governor.” Board members are purportedly appointed because of their insights into particular industries or areas of knowledge, not because they reflect a governor’s ideology. A source in Walz’s office also told the Star Tribune the governor did not know Boelter.

The news organization also noted that, contrary to online speculation, Boelter’s wife had never served as an intern for Walz. There appears to have been some confusion over another person with the same name, married to someone else.

But at times, careful reporting seems little match for the tsunami of often-erroneous social media speculation.

A new focus on the toxic tone of American politics

Reams have been written about the growing polarization of American politics over the past few decades. But there is a lot of evidence that the nation’s political gulf just keeps getting wider and more bitter.

The shootings in Minnesota are sure to produce more questions about where this will all lead.

Trump himself was almost killed last July during a rally in Pennsylvania. A California man in April pleaded guilty to trying to kill conservative Supreme Court Justice Brett Kavanaugh. Several men were convicted in a plot to kidnap Michigan Gov. Gretchen Whitmer (D) in 2020.

With no end in sight to the enmity in the political system, attention is turning to increasing security for lawmakers and others in public life.

House Minority Leader Hakeem Jeffries (D-N.Y.) — along with the top Democrat on the House Administration Committee, Rep. Joe Morelle (N.Y.) — wrote to Speaker Mike Johnson (R-La.) on Monday asking to increase the amount of money available to lawmakers to bolster security.

A tiny move lower (The 15-year down to 5.98%)

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Mortgage interest rates are a little lower today, Monday, June 16, 2025. According to Zillow data, the average 30-year fixed mortgage fell three basis points to 6.70%, while the 15-year fixed interest rate home loan term stepped back two basis points to 5.98%.

This Wednesday, the Federal Reserve will announce its latest decision on short-term interest rates. It is widely expected that the Fed will continue a “wait and see” strategy and leave rates unchanged. The yield on the 10-year Treasury, highly correlated to mortgage rates, fell 1.78% last week on tepid economic news and as Israel and Iran traded missile attacks.

Dig deeper: The best time of year to buy a house

Here are the current mortgage rates, according to the latest Zillow data:

  • 30-year fixed: 6.70%

  • 20-year fixed: 6.25%

  • 15-year fixed: 5.98%

  • 5/1 ARM: 6.85%

  • 7/1 ARM: 6.96%

  • 30-year VA: 6.34%

  • 15-year VA: 5.98%

  • 5/1 VA: 6.38%

Remember, these are the national averages and rounded to the nearest hundredth.

Read more: How are mortgage rates determined?

These are the current mortgage refinance rates, according to the latest Zillow data:

  • 30-year fixed: 6.78%

  • 20-year fixed: 6.37%

  • 15-year fixed: 6.04%

  • 5/1 ARM: 7.43%

  • 7/1 ARM: 7.30%

  • 30-year VA: 6.27%

  • 15-year VA: 5.87%

  • 5/1 VA: 7.43%

Again, the numbers provided are national averages rounded to the nearest hundredth. Although it’s not always the case, mortgage refinance rates tend to be a little higher than purchase rates.

See also: Best mortgage refinance lenders right now

You can use the free Yahoo Finance mortgage calculator to play around with how different terms and rates will affect your monthly payment. Our calculator considers factors like property taxes and homeowners insurance when estimating your monthly mortgage payment. This gives you a better idea of your total monthly payment than if you just looked at mortgage principal and interest.

But if you want a quick, simple way to see how today’s rates would impact your monthly mortgage payment, try out the calculator below:

Today’s average 30-year mortgage rate is 6.70%. A 30-year term is the most popular type of mortgage because by spreading out your payments over 360 months, your monthly payment is relatively low.

If you had a $300,000 mortgage with a 30-year term and a 6.70% rate, your monthly payment toward the principal and interest would be about $1,936, and you’d pay $396,900 in interest over the life of your loan — on top of that original $300,000.

The average 15-year mortgage rate is 5.98% today. Several factors must be considered when deciding between a 15-year and 30-year mortgage.

A 15-year mortgage comes with a lower interest rate than a 30-year term. This is great in the long run because you’ll pay off your loan 15 years sooner, and that’s 15 fewer years for interest to compound.

However, your monthly payments will be higher because you’re squeezing the same debt payoff into half the time.

If you get that same $300,000 mortgage but with a 15-year term and a 5.98% rate, your monthly payment would jump up to $2,528 — but you’d only pay $155,099 in interest over the years.

Dig deeper: How much house can I afford? Use our home affordability calculator.

With an adjustable-rate mortgage, your rate is locked in for a set period of time and then increases or decreases periodically. For example, with a 5/1 ARM, your rate stays the same for the first five years, then changes every year.

Adjustable rates usually start lower than fixed rates, but you run the risk that your rate goes up once the introductory rate-lock period is over. But an ARM could be a good fit if you plan to sell the home before your rate-lock period ends — that way, you pay a lower rate without worrying about it rising later.

Lately, ARM rates have occasionally been similar to or higher than fixed rates. Before dedicating yourself to a fixed or adjustable mortgage rate, be sure to shop around for the best lenders and rates. Some will offer more competitive adjustable rates than others.

Mortgage lenders typically give the lowest mortgage rates to people with higher down payments, excellent credit scores, and low debt-to-income ratios. So if you want a lower rate, try saving more, improving your credit score, or paying down some debt before you start shopping for homes.

You can also buy down your interest rate permanently by paying for discount points at closing. A temporary interest rate buydown is also an option — for example, maybe you get a 6.5% rate with a 2-1 buydown. Your rate would start at 4.5% for year one, increase to 5.5% for year two, then settle in at 6.5% for the remainder of your term.

Just consider whether these buydowns are worth the extra money at closing. Ask yourself whether you’ll stay in the home long enough that the amount you save with a lower rate offsets the cost of buying down your rate before making your decision.

Here are interest rates for some of the most popular mortgage terms: According to Zillow data, the national average 30-year fixed rate is 6.70%, the 15-year fixed rate is 5.98%, and the 5/1 ARM rate is 6.85%.

A normal mortgage rate on a 30-year fixed loan is 6.70%. However, keep in mind that’s the national average based on Zillow data. The average might be higher or lower depending on where you live in the U.S.

Mortgage rates probably won’t drop significantly in 2025 — especially over the next several weeks while economists keep an eye on inflation and Middle East unrest.

Read more: Trump Floats ‘Very Serious’ Plan That Could Hike Mortgage Rates