What are today's mortgage interest rates: December 15, 2025?

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The final Federal Reserve gathering of 2025 has concluded and the last Fed complaint chopped of the twelvemonth was issued connected December 10. Now that the chopped and comments made post-meeting astir different imaginable ones successful 2026 person had a accidental to reverberate passim the economy, borrowers whitethorn privation to commencement researching their options again. A Fed complaint cut, adjacent successful a tiny increment, tin pb to little involvement rates connected a assortment of products, including mortgages and owe refinance loans. And that's invited quality for owe borrowers, successful particular, who person seen their complaint offers emergence exponentially successful caller years.

That noted, rates present person gradually declined successful 2025 and combined with 3 Fed complaint cuts issued successful the last 4 months of the year, whitethorn present beryllium debased capable to enactment acquisition oregon refinancing activity.

So, what are today's owe involvement rates, arsenic of December 15, 2025? Below, we'll item everything to cognize to marque an informed determination now.

See however debased your existent owe complaint offers are here.

What are today's owe involvement rates?

The mean owe complaint connected a 30-year word is 6.12% arsenic of December 15, 2025, according to Zillow. That's a flimsy bump up from the 5.99% it was earlier successful the month, but not a full surprise, arsenic owe rates tin emergence somewhat aft a complaint chopped is formalized since galore lenders terms successful the simplification earlier it's formalized.

The mean owe complaint connected a 15-year word is 5.50%, besides a flimsy emergence from caller weeks, but inactive competitory for those buyers who don't caput a bigger monthly owe outgo successful speech for little involvement costs and an expedited payoff timeline. But with these conscionable being averages and the world that lenders respond otherwise to Fed complaint cuts, buyers whitethorn beryllium capable to find rates that are adjacent little by examination buying online now.

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What are today's owe involvement rates?

The mean owe refinance complaint connected a 30-year word dropped to 6.65% from 6.72% connected December 15, 2025, according to Zillow. The mean refi complaint for a 15-year enactment besides declined from wherever it had been successful caller days, moving from 5.70% to 5.67%.

While these options are not arsenic advantageous arsenic they were a fewer years ago, they inactive could correspond important savings for immoderate homeowners, peculiarly for those who purchased a location successful the 7%-plus situation of caller years. So instrumentality the clip to cautiously see the imaginable savings accidental these rates connection close now. It whitethorn beryllium capable to warrant taking the adjacent step.

The bottommost line

As of December 15, 2025, the mean owe complaint connected a 30-year word is 6.12% and conscionable 5.50% for a 15-year alternative. The median owe refinance complaint moved down to 6.65% connected Monday for a 30-year option, and it declined to 5.67% for a 15-year refinance. But with the Fed's last gathering of the twelvemonth present concluded and the corresponding complaint chopped of the twelvemonth digested by the borrowing complaint climate, these whitethorn beryllium the astir competitory rates disposable close present – oregon until caller economical information moves them 1 mode oregon another. With that being understood, it tin beryllium worthy locking 1 of these rates successful today. You tin ever unlock and relock 1 successful the aboriginal oregon refinance long-term, but there's nary warrant that these volition stay wherever they are overmuch longer.

Edited by Angelica Leicht

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