Mortgage and refinance interest rates today, November 4, 2025: Rising bond yields nudge home loan rates slightly higher
Update: 2025-11-04
Description
Mortgage rates have seen a slight increase, making home buying and refinancing more costly. The average thirty-year fixed mortgage rate is now at 6.12%, and the fifteen-year fixed rate is at 5.63%. These changes are due to a rise in ten-year Treasury yields. Refinance rates have also risen, with the average thirty-year fixed refinance rate at 6.24%. Higher rates mean bigger monthly payments and may limit affordability. Homeowners and buyers are using mortgage calculators to estimate payments and consider the impact of insurance and property taxes. The debate between fifteen-year and thirty-year fixed mortgages continues, with adjustable-rate mortgages offering no clear advantage. Economists predict no significant drop in mortgage rates for at least a year, so buyers and homeowners should monitor rates and use calculators before committing to a loan.
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