November 21, 2025 | Lowest Fixed Conventional Refinance Rate Holds at 4.875%

As of November 21, 2025, conventional refinance rates for both 15-year fixed and 30-year fixed mortgages remain steady at 5.5% and 6.0%, respectively. These rates show no change from one week and one month ago, indicating a stable yield environment with no immediate cost-of-borrowing fluctuations for homeowners considering refinancing. The 15-year fixed-rate loan, holding the lowest rate in today’s offerings, may appeal to borrowers prioritizing faster equity build-up and reduced interest expense. Meanwhile, the unchanged 30-year fixed-rate maintains its position for those valuing longer-term payment stability despite a higher rate. Members should evaluate their mortgage strategies carefully; consistent rates suggest now could be an opportune time to assess refinancing benefits or lock in fixed-rate options if predictability aligns with financial goals. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of November 21, 2025, the 15-Year Fixed Refinance rate has decreased by 25 basis points to 5.25%, marking a notable decline from last week’s 5.50%. This reduction stabilizes the cost of borrowing compared to one month ago, when the rate was also at 5.25%. Meanwhile, the 30-Year Fixed Refinance rate remains steady at 6.00%, unchanged over the past seven days but up by 25 basis points from 30 days prior.

For members prioritizing predictable monthly payments and shorter loan terms, the lower 15-year fixed rate may improve long-term interest savings despite slightly higher monthly costs compared to longer terms. Conversely, those seeking extended amortization will see stable rates in the 30-year option but should monitor recent upward trends in yield spreads.

Given these movements, members are advised to evaluate refinancing if potential interest savings outweigh associated costs and to consider fixed-rate options for budgeting certainty.

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

As of November 21, 2025, 15 Year Fixed Refinance loans maintain the lowest rate at 4.875%, unchanged over the past 7 and 30 days. Similarly, the 30 Year Fixed Refinance rate remains steady at 5.75% with no fluctuations in recent weeks. Stability in these fixed-rate refinance options suggests consistent borrowing costs for members seeking to adjust their mortgage terms. For borrowers prioritizing predictability, especially those refinancing to shorten loan duration or reduce monthly payments, these unchanged yields support evaluating fixed-rate strategies. Given the current rate environment, members should analyze whether refinancing benefits outweigh associated costs, particularly when rates show no downward movement. Consider your long-term financial goals before adjusting your mortgage structure. For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of November 21, 2025, 15-year fixed refinance loans maintain the lowest rate at 4.875% with 2.0 points, unchanged from last week but up by 12.5 basis points compared to 30 days ago. Meanwhile, 30-year fixed refinance loans hold steady at 5.75% with 2.25 points, also flat week-over-week but increased by 12.5 basis points month-over-month. These subtle upward shifts in yield spreads signal a modest rise in the cost of borrowing for homeowners seeking to refinance. Members considering refinancing should assess whether locking in a shorter-term fixed rate offers value through lower overall interest costs despite slightly higher upfront points. Evaluating your mortgage strategy in light of these stable yet gradually increasing rates can help optimize long-term savings and financial planning.

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

As of November 21, 2025, 30-year fixed refinance loans remain steady at 4.99%, with no change over the past week or month, reflecting stable yield spreads and consistent cost of borrowing for long-term debt. Similarly, the 15-year fixed refinance rate holds at 5.78%, unchanged in the last 7 and 30 days. The absence of rate movement suggests limited volatility in mortgage-backed securities affecting these products.

For members considering refinancing, the persistently lower 30-year fixed rate offers a more affordable option to lock in predictable payments over three decades. Meanwhile, the 15-year fixed term, while higher in rate, may benefit those aiming to reduce interest expense over a shorter period. Given current stability, members should evaluate refinancing only if projected savings exceed transaction costs.

Consider your mortgage strategy carefully; opting for fixed-rate terms can provide financial clarity amid uncertain market conditions. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of November 21, 2025, Conventional Fixed 15-Year Refinance rates hold steady at 5.0% with 0.25 points, reflecting no change over the past week but a notable increase of 12.5 basis points compared to 30 days ago. Similarly, the Homebuyers Choice 30-Year Refinance program remains at 6.5% with 0.5 points, unchanged week-over-week yet up by 12.5 basis points from a month prior. These shifts indicate a modest rise in borrowing costs, impacting homeowners seeking to refinance; those favoring shorter terms face relatively lower rates while longer-term refinancers encounter higher yield spreads. Members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is a priority or review refinancing feasibility when potential savings exceed associated costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

As of November 21, 2025, refinance rates for Conforming High-Cost Area fixed loans remain stable. The 15-year fixed refinance rate holds at 5.75% with 1.0 points, unchanged from both one week and one month ago. Meanwhile, the 30-year fixed refinance rate stands at 6.125% with 1.0 points, showing no change over seven days but a decrease of 12.5 basis points compared to 30 days prior.

For members considering refinancing, the steady 15-year fixed rate offers predictable payments without recent upward pressure on borrowing costs. The slight downward shift in the 30-year fixed rate may enhance long-term affordability for those seeking extended terms.

Members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is a priority, or assess refinancing if potential savings outweigh associated costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of November 21, 2025, mortgage rates have shown slight increases for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo is at 6.087%, up by 2 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.307%, also reflecting a 2 basis point increase. Over the past week, the 15-Year Fixed Rate Jumbo has decreased by 16 basis points, indicating a favorable adjustment for borrowers looking for shorter-term loans. In contrast, the longer-term options show stability with minimal fluctuations. Borrowers should consider these trends when evaluating their financing options, especially given that the current lowest rate remains in the 15-year category.

Current inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-year rate at 2.240% and the 5-year at 2.340%. These rates can influence mortgage rates and signal future economic conditions, affecting borrowers' costs. Notably, the Mortgage 30Yr Jumbo Average Rates have decreased by 0.24 percentage points over the last week, while the Mortgage 30Yr Usda Average Rates have increased by 0.07 percentage points in the past month, indicating varying trends in borrowing costs. The lowest mortgage rate recorded is 5.540%, which may provide opportunities for those seeking loans. Monitoring these indicators is essential for making informed financial decisions.

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