November 7, 2025 | Lowest Conventional Refinance Fixed Rate Steady at 4.875%

As of November 7, 2025, Conventional refinance mortgage rates remain stable with the 15-Year Fixed-Rate at 5.5% and the 30-Year Fixed-Rate at 6.0%, both unchanged from one week and one month ago. These steady rates indicate no recent shifts in yield spreads affecting the cost of borrowing for refinancing. Members considering refinancing can expect consistent pricing, with the 15-Year Fixed-Rate offering the lowest yield, potentially benefiting those aiming to reduce interest expense over a shorter term. Stability in these rates allows borrowers to evaluate fixed-rate options confidently, especially if they prioritize predictable monthly payments. For homeowners weighing refinancing, it is advisable to compare potential savings against closing costs to ensure long-term financial advantage.

For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of November 7, 2025, refinance fixed-rate mortgage products remain stable with no changes in rates over the past week or month. The 15-Year Fixed Refinance holds at 5.375% with 1.125 points, representing the lowest rate option currently available. The 30-Year Fixed Rate Refinance maintains a steady yield at 6.0% with 1.0 point, unchanged from recent weeks.

This stability in borrowing costs suggests limited movement in yield spreads, allowing borrowers to assess refinancing without concern for rising interest expenses. For members focused on reducing long-term interest payments, the 15-year fixed refinance offers a lower rate that may shorten payoff timelines despite slightly higher monthly payments compared to the 30-year term.

Members should evaluate their mortgage strategy considering these steady rates; locking in a fixed rate can provide predictable payments amid market uncertainty. Consider refinancing if projected savings exceed transaction costs and align with your financial goals.

For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of November 7, 2025, 15 Year Fixed Refinance rates hold steady at a competitive 4.875%, marking a notable decline of 37.5 basis points compared to 30 days ago. This reduction lowers the cost of borrowing for members seeking shorter-term refinancing options, potentially increasing monthly payment affordability and total interest savings over the loan’s life. Meanwhile, the 30 Year Fixed Refinance rate remains unchanged at 5.75%, maintaining consistent yield spreads over the past month.

Members prioritizing payment stability may find the fixed-rate products favorable given current market steadiness; those refinancing should evaluate if locking in today’s rates reduces long-term expenses. Consider your financial horizon and mortgage strategy carefully before proceeding.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of November 7, 2025, 15-year fixed refinance loans hold the lowest rate at 4.875%, marking a 12.5 basis points increase compared to last week and unchanged from 30 days ago. Meanwhile, the 30-year fixed refinance rate rose by 12.5 basis points week-over-week to 5.75%, though it remains 12.5 basis points lower than a month ago. These shifts slightly raise the cost of borrowing for borrowers seeking shorter-term stability or longer amortization periods. Members considering refinancing should evaluate whether locking in a 15-year fixed rate suits their repayment goals or if the current decrease over 30 days for the 30-year term offers better long-term affordability. Given yield spread movements, assessing your mortgage strategy based on current rates and loan terms can optimize financial outcomes.

For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage-refinance/.

As of November 7, 2025, LANGLEY credit union’s 30-year fixed refinance rate remains steady at 4.99%, unchanged over the past week and month. This stability in long-term borrowing costs provides predictable payment planning for members seeking to refinance. The 15-year fixed refinance rate holds at 5.78%, also unchanged from last week and the previous 30 days, though it remains notably higher than rates observed 45 to 60 days ago.

For members prioritizing lower monthly payments and rate certainty, the 30-year fixed option at 4.99% represents the most cost-effective choice currently available. Borrowers aiming to shorten loan duration should weigh the increased yield spread on the 15-year fixed product, as its higher rate impacts monthly obligations despite faster principal reduction.

Given these trends, members are advised to evaluate refinancing possibilities where potential savings exceed associated costs, especially if stable long-term rates align with financial goals. Consider fixed-rate options for consistency in budgeting and mortgage strategy optimization.

For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of November 7, 2025, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for key refinancing products. The Conventional Fixed 15 Year Refinance rate remains steady at 5.0% with 0.25 points, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. This slight increase elevates the cost of borrowing for homeowners seeking shorter-term fixed-rate stability.

Meanwhile, the Homebuyers Choice 30 Year Refinance holds firm at 6.5% with 0.5 points, showing no change over the past week or month, maintaining its current yield spread despite broader market fluctuations. This steadiness benefits those prioritizing long-term fixed payments.

Members should assess their mortgage strategy accordingly; consider fixed-rate options if stability is a priority or evaluate refinancing if potential savings justify transaction costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1

On November 7, 2025, Conforming High-Cost Area Refinance rates held steady for both 15-year fixed at 5.75% and 30-year fixed at 6.125% with 1 point. The 15-year fixed rate, maintaining its lowest yield over the past two months, signals stable borrowing costs for members prioritizing shorter loan terms and faster equity build-up. Conversely, the 30-year fixed rate decreased by 12.5 basis points compared to 30 days ago, reflecting a modest easing in long-term financing costs that could benefit members seeking extended payment horizons. These yield spreads suggest refinancing opportunities remain viable for cost-conscious borrowers aiming to optimize loan duration or monthly obligations. Members should consider their financial goals carefully; those valuing payment stability may find the current fixed rates advantageous while evaluating refinancing if projected savings exceed associated costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of November 7, 2025, mortgage rates have experienced a slight upward trend. The 15-Year Fixed Rate Jumbo is now at 6.244%, increasing by 4 basis points from yesterday and up 6 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo remains relatively stable at 6.260%, with no change from the previous day but a decrease of 7 basis points over the last month. Borrowers may find that these fluctuations in rates affect their overall cost of borrowing; thus, it is essential to monitor these trends closely when considering mortgage options. Staying informed can help in making strategic financial decisions regarding home financing.

As of November 7, 2025, breakeven inflation rates remain stable, with the 10-year rate at 2.280% and the 5-year rate at 2.370%, indicating steady inflation expectations that influence mortgage rates. The Mortgage 30Yr Average Rate stands at 6.220%, reflecting a slight increase of 0.05 points over the past week but a decline of 0.41 points over the last 90 days. Notably, the 30Yr Usda Average Rate has decreased by 0.20 points in the last 60 days, presenting the lowest rate at 5.923% among major types. Borrowers should consider these trends when assessing loan options and anticipate potential fluctuations in borrowing costs as market conditions evolve.

Every home has a story, and so does every mortgage. At LendMesh, we understand that life changes—maybe you’re welcoming a new family member, relocating for a dream job, or finally saving up for that perfect neighborhood. Our team has built relationships with a diverse range of credit unions and banks, allowing us to bring you up-to-date rates and special lending programs tailored for real life. You won’t find generic advice here; instead, you’ll get insights and tips that match your unique journey. Thinking about what comes next? Discover our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and let us help you write your next chapter with confidence.