Current Mortgage Rates
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Last updated: November 13, 2025 at 9:00 AM EST
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Purchase Mortgage Rates
Select your loan type to see current rates
| Loan Term | Interest Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-year Fixed | 6.875% | 7.125% | $1,973/mo |
| 20-year Fixed | 6.625% | 6.875% | $2,257/mo |
| 15-year Fixed | 6.125% | 6.375% | $2,569/mo |
| 10-year Fixed | 5.875% | 6.125% | $3,322/mo |
*Based on $300,000 loan amount with 20% down payment. APR includes fees and costs.
30-Year Fixed Rate History
Track how rates have changed over the past year
6.62%
Jan 2025
6.77%
Feb 2025
6.94%
Mar 2025
7.1%
Apr 2025
7.02%
May 2025
6.95%
Jun 2025
6.86%
Jul 2025
6.72%
Aug 2025
6.58%
Sep 2025
6.44%
Oct 2025
6.88%
Nov 2025
6.75%
Dec 2025
Rates shown are for 30-year fixed conventional loans with 20% down
What Affects Your Rate?
Credit Score
Higher credit scores typically qualify for lower interest rates
High ImpactDown Payment
Larger down payments (20%+) can result in better rates
Medium ImpactLoan Type
Conventional, FHA, VA, and jumbo loans have different rate structures
High ImpactLoan Term
Shorter terms (15-year) typically have lower rates than longer terms (30-year)
Medium ImpactImportant Rate Information
- • Rates shown are for informational purposes and subject to change without notice
- • Your actual rate may be higher or lower based on your credit profile and other factors
- • APR includes loan origination fees, discount points, and other costs
- • All rates assume excellent credit (740+) and 20% down payment unless noted
- • To lock in a rate, you must complete a full application
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