Mortgage and refinance interest rates today, October 29, 2025: Drifting without a solid direction
Update: 2025-10-29
Description
Mortgage rates experienced a slight fluctuation on October 29th, with the average thirty-year fixed mortgage rate dropping to six point one six percent, while the fifteen-year fixed rate slightly increased to five point four three percent. Other loan types, such as the five-one adjustable-rate mortgage, remained above six percent. Despite recent unpredictability, rates remain relatively low. The thirty-year fixed refinance rate stands at six point two one percent, and the fifteen-year fixed refinance rate is at five point seven three percent. When shopping for a mortgage or refinance, it's crucial to compare offers from multiple lenders, as rates can vary based on location, credit score, and loan type. Utilize mortgage calculators to estimate potential payments and consider extra costs like property taxes and insurance.
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