Mortgage Rates: Current Averages & Refinancing Options
Update: 2025-11-23
Description
Mortgage rates remain steady, with the national average for a thirty-year fixed mortgage at six point one one percent and a fifteen-year fixed rate at five point six two percent. Refinance rates are slightly higher, at six point two eight percent for a thirty-year fixed and five point seven three percent for a fifteen-year fixed. These rates can vary based on location, credit score, and other financial factors. When comparing loans, consider the annual percentage rate (APR) for a more comprehensive view of costs. Improving personal finances can help secure a lower rate in the future.
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