The TikTok trend has sparked debate about the right way to give. Two women who received Angel Tree gifts as kids share what actually made a difference.

The average mortgage interest rate on a 30-year term is now 6.00%, as of December 11, 2025, according to Zillow. That's a slight drop from the 6.12% it was earlier this week. The average mortgage rate on a 15-year term, however, stayed put at 5.50% overnight.