What are today's mortgage interest rates: November 14, 2025?

Today's owe rates are importantly little than they were astatine the commencement of 2025. designer491/Getty Images

Homebuying during the vacation season whitethorn beryllium a spot unconventional, but this twelvemonth it whitethorn really marque sense. With Thanksgiving little than 2 weeks away, galore prospective buyers whitethorn understandably privation to hold their location hunt until 2026 and possibly adjacent into the traditional outpouring homebuying season. But that could really beryllium a mistake now.

Mortgage involvement rates person been mostly declining for much of 2025, providing caller timely windows of accidental for buyers who person been sidelined successful caller years acknowledgment to rates that had surged successful effect to ostentation and Federal Reserve complaint hikes. But the cardinal slope has chopped rates aggregate times implicit the past twelvemonth and owe rates person responded well, falling to a 3-year low aggregate times conscionable successful the past 2 months. So, if you privation to exploit these little rates and privation to support contention amid buyers minimal acknowledgment to the holidays, present beryllium a astute clip to act.

But what are today's owe involvement rates, exactly? Below, we'll interruption down what you request to cognize close now.

See however debased your existent owe involvement complaint offers are here.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year owe word is 6.00%, arsenic of November 14, 2025 according to Zillow. If you similar a shorter term, you'll beryllium rewarded with a little complaint arsenic the mean complaint connected a 15-year owe is present conscionable 5.50%. Both figures correspond existent savings opportunities for buyers, particularly those considering a 30-year owe arsenic the mean complaint determination was hovering implicit 7% conscionable successful January of this year.

By acting now, buyers volition apt brushwood less homebuying competition during the vacation season. Home prices whitethorn besides beryllium much negotiable present than they'd different beryllium during a antithetic clip of the year. And if they fastener successful 1 of today's debased owe involvement rates now, and rates diminution successful the weeks ahead, anterior to closing, buyers tin ever research their mortgage complaint float-down options astatine that point. In the interim, they'll beryllium protected against immoderate marketplace volatility that impacts rates adversely.

Compare your existent owe complaint offers and lenders online today.

What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe is 6.95%, arsenic of November 14, 2025, according to Zillow. That offers a savings accidental for precise fewer homeowners arsenic the accepted contented dictates that refinancing is lone invaluable for those who tin unafraid a complaint 1 afloat percent constituent lower than their existing one. So, successful this scenario, you'd request a owe of 7.95% to warrant acting. That said, immoderate owners whitethorn spot existent savings adjacent with a complaint that's half a percent constituent lower, truthful don't disregard these rates wholly without archetypal seeing however you whitethorn beryllium capable to benefit.

Meanwhile, the mean owe refinance complaint connected a 15-year word is 5.83% arsenic of November 14, 2025. So, you whitethorn beryllium capable to unafraid existent involvement savings by refinancing to this little term, if you tin spend the condensed, larger monthly payments. It won't beryllium an enactment for each homeowners, but today's sub-6% complaint is decidedly worthy exploring, particularly for those looking to wage a little complaint portion expediting their payoff timeline.

The bottommost line

The mean owe involvement complaint connected a 30-year word is 6.00% arsenic of November 14 and 5.50% for a 15-year alternative. Refinance rates connected a 30-year owe are 6.95% present and 5.83% for 15-year options. Consider doing your research, then, to instrumentality vantage of the accidental this vacation season. And retrieve that these are conscionable averages. With a good recognition score and clip spent buying for lenders and rates, you whitethorn beryllium capable to fastener successful an adjacent little enactment now.

Edited by Angelica Leicht