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November
13
13
Current rates
Current rates vary, but as of November 13, 2025, a 30-year fixed mortgage is around 6.29% to 6.375% and a 15-year fixed mortgage is approximately 5.64% to 5.885%. Rates are subject to change based on the lender, loan type, and individual borrower's qualifications.
Mortgage rates
- 30-Year Fixed:
- Rate: 6.29% to 6.375%
- APR: 6.555%
- 15-Year Fixed:
- Rate: 5.64% to 5.885%
- APR: 5.74% to 5.885%
- 10-Year Fixed:
- Rate: 5.54%
- APR: 5.61%
- 30-Year FHA:
- Rate: 6.84%
- APR: 6.92%
Other factors to consider
- ARM rates: Adjustable-rate mortgage rates are variable and are also available, with rates around 5.875% for a 5-year ARM and 6.125% for a 10-year ARM.
- Loan type: Rates vary significantly by loan type, with options like Jumbo, FHA, and VA loans all having different rates.
- Individual factors: Your specific rate will depend on your credit score, debt-to-income ratio, and other personal financial details.
- Points: You may be able to lower your interest rate by paying "points" upfront, which are a form of prepaid interest.
- Rate fluctuations: These are snapshot rates and can change daily. It is important to check with multiple lenders for the most accurate and up-to-date rates.
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