What are today's mortgage interest rates: November 17, 2025?

Searching for debased owe involvement rates is simply a captious portion of the homebuying process. simon izquierdo/Getty Images

Homebuying requires a multi-faceted attack successful bid to beryllium successful. Buyers volition typically request to get prequalified truthful that they tin amusement sellers they person the fiscal quality to really marque a purchase. Many volition besides payment from enlisting the services of a real property agent and overmuch probe volition request to beryllium completed connected homes, neighborhoods, schoolhouse districts and more. And successful today's unsocial economical climate, buyers volition besides request to wage adjacent attraction to mortgage involvement rates.

After dropping to adjacent grounds lows astatine the commencement of the decade, mortgage rates surged successful effect to ostentation and the Federal Reserve's involvement complaint hiking campaign. But the cardinal slope has reversed people implicit the past year, issuing 5 complaint cuts dating backmost to September 2024 and mortgage rates person cooled alongside those reductions. Another chopped is imaginable for the bank's last gathering successful December, too.

Against this backdrop, buyers whitethorn find it adjuvant to research their mortgage complaint offers daily to spot if they tin exploit a tiny model of opportunity. So, what are today's owe involvement rates arsenic of November 17, 2025? Below, we'll item what you request to cognize close now.

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 owe word is 6.12% arsenic of November 17, 2025, according to Zillow. The mean complaint connected a 15-year word is importantly lower, coming successful astatine 5.50% connected Monday, though that expedited payoff timeline volition effect successful larger monthly payments, adjacent astatine the little rate. 

Still, today's 30-year owe word complaint represents a existent savings accidental compared to erstwhile rates present were implicit 7% conscionable astatine the commencement of the year. Consider taking the time, then, to cipher your imaginable costs to find if these rates warrant making a move. Whether you're considering a location successful the $400,000 to $600,000 scope oregon possibly thing adjacent $800,000 oregon higher, today's little rates could beryllium affordable capable to warrant a acquisition now.

Compare owe rates and lenders online now.

What are today's owe refinance rates?

Are you an existing homeowner looking to prevention wealth and refinance your loan? You'll person 2 superior ways to bash so, each with importantly antithetic rates. The mean owe refinance complaint connected a 30-year word is present 6.86%, arsenic of November 17, 2026, according to Zillow. The mean owe refinance complaint for a 15-year term, however, is 5.95%, perchance offering existent alleviation for homeowners who purchased their location successful the epoch of 7% owe involvement rates. 

It's besides important to cautiously see your costs here, too. Mortgage refinancing closing costs volition request to beryllium accounted for and, if you're not readying connected remaining successful the location agelong capable to interruption adjacent connected those costs with your caller monthly savings, it's mostly not worthy pursuing. At the aforesaid time, if you're already surviving successful your everlastingly home, today's little rates connected a 15-year owe refinance term, for example, whitethorn beryllium worthy evaluating.

The bottommost line

The mean owe involvement complaint connected a 30-year owe word is 6.12% arsenic of November 17, 2025 and it's 5.50% for a 15-year term. The median complaint connected a 30-year refinance term, meanwhile. Is present 6.86% and 5.95% for 15-year terms. So, portion rates present are not arsenic debased arsenic they were a fewer years ago, they're present competitory again. And with the right, informed approach, some homebuyers and owners whitethorn beryllium capable to find a mode to marque these rates acceptable their fund now.

Edited by Angelica Leicht