What are today's mortgage interest rates: November 13, 2025?

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While it whitethorn beryllium casual to see today's mortgage involvement rates excessively precocious compared to what they were astatine the commencement of the decade, the world is that rates successful 2020 and 2021 were the anomaly – not what's disposable close now. In fact, historically, mortgage involvement rates thin to mean astir 7%, making the rates that are readily disposable present really little than what's often been available.

And, successful 2025 specifically, rates person mostly been connected a slow but dependable decline. That was intelligibly seen successful caller months arsenic rates fell to a three-year low, roseate somewhat and past dropped again to that level successful enactment with 2 Federal Reserve involvement complaint cuts.

So rates are moving backmost successful the close absorption for buyers and owners looking to refinance. With different Federal Reserve gathering connected the calendar for December and different involvement complaint chopped imaginable then, this diminution whitethorn proceed successful the weeks ahead. To amended recognize the affordability of the existent moment, however, it helps to cognize what mean owe rates are now, arsenic of November 13, 2025. Below, we'll item everything you request to know.

See however debased your existent owe complaint offers are here.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year word is present 5.99%, arsenic of November 13, 2025, according to Zillow. That's a flimsy driblet from the debased 6% scope rates person been hovering astir successful caller days. Rates connected a 15-year word are adjacent lower, coming successful astatine an mean of 5.37%, giving buyers who privation to expedite their payoff timeline a much affordable mode to bash so.

It's besides important to enactment that these are conscionable averages. If you're a homebuyer with a good-to-excellent recognition score, debased debt-to-income ratio and are consenting to marque a ample down outgo (more than the accepted 20%), you whitethorn beryllium eligible to unafraid an adjacent little owe rate. Consider buying astir online today, then, to spot which lenders are offering the astir competitory rates and terms.

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What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe is 6.95%, arsenic of November 13, 2025, according to Zillow. The mean complaint connected a 15-year refinance indebtedness arsenic of Thursday is present 5.75%, up somewhat from earlier successful the week.

Many homeowners secured involvement rates nether 4% successful caller years, negating the payment of refinancing close now. But galore doesn't mean all, and if you're 1 of those who purchased a location successful 2023 oregon 2024, today's owe refinance rates whitethorn warrant taking action.

While astir experts would urge waiting until you tin unafraid a mortgage complaint 1 afloat percent constituent lower than your existing one, adjacent half a percent point could connection existent savings and fiscal breathing country now. Closely measure your options, then, and cipher your costs (and closing costs) with precision to champion find your adjacent move.

The bottommost line

The mean owe involvement complaint connected a 30-year word is backmost nether 6%, arsenic of November 13, 2025, opening up a caller model of accidental for galore buyers waiting for rates successful the 5% range. Homeowners considering a refinance connected a 15-year term, meanwhile, tin besides unafraid a complaint successful the 5% range, perchance offering caller savings opportunities for buyers who bought homes successful caller years. Evaluate your options closely, then, to find if these rates are debased capable to warrant acting oregon if you're amended served by waiting for them to autumn a spot further.

Edited by Angelica Leicht

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