November 28, 2025 | Lowest Conventional Fixed Refinance Rate Holds at 4.99%

As of November 28, 2025, 15-Year Fixed-Rate Conventional Refinance loans hold the lowest rate at 5.5%, unchanged over the past 7 and 30 days. Similarly, 30-Year Fixed-Rate Conventional Refinance loans remain steady at 6.0% with no change in yield spreads during the same periods. This stability in fixed-rate mortgage costs suggests predictable borrowing expenses for members considering refinancing options. For homeowners aiming to reduce long-term interest expenses, the 15-year fixed offers a lower rate and faster amortization, while the 30-year fixed provides consistent monthly payments without recent volatility. Given the absence of rate fluctuations, members should evaluate current equity and closing costs to determine if refinancing can achieve meaningful savings. Consider fixed-rate products if prioritizing payment stability amid steady market conditions. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of November 28, 2025, the 15 Year , Conforming Fixed Refinance rate has declined by 12.5 basis points to 5.125%, marking the lowest available refinance rate today. This reduction lowers the cost of borrowing for homeowners seeking shorter-term fixed-rate refinancing, potentially improving monthly payment affordability and overall interest expenses. Meanwhile, the 30 Year , Conforming Fixed Refinance rate remains steady at 5.875%, with no change over the past week, maintaining a consistent yield spread for borrowers prioritizing longer-term fixed payments.

For members evaluating refinancing options, those favoring payment stability might consider the 15-year fixed product, which currently offers a modestly reduced rate; conversely, borrowers requiring extended terms face unchanged rates. Assess your mortgage strategy accordingly and weigh potential savings against refinancing costs.

For details, visit https://www.alturacu.com/products/home-loans/refinancing/.

As of November 28, 2025, 15-Year Fixed Refinance rates stand at 5.25%, down by 12.5 basis points from last week but up 12.5 basis points compared to 30 days ago. This slight weekly decline may reduce borrowing costs for homeowners seeking shorter-term refinancing with faster principal payoff. Meanwhile, the 30-Year Fixed Refinance rate is steady at 5.75%, marking a notable weekly drop of 25 basis points yet unchanged over the past month. Borrowers considering long-term stability could benefit from this yield spread compression, potentially lowering monthly payments without extending term risk.

Members should assess whether refinancing aligns with their financial goals, especially given recent rate fluctuations; fixed-rate options continue to offer predictable costs amid market variability. Consider evaluating your mortgage strategy if current savings surpass refinancing expenses.

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

As of November 28, 2025, 15-Year Fixed-Rate refinance loans offer the lowest rate at 5.5%, down by 12.5 basis points compared to last week, though up 12.5 basis points relative to 30 days ago. Similarly, the 30-Year Fixed-Rate refinance stands at 6.125%, reflecting a weekly decline of 12.5 basis points but an increase of the same magnitude over the past month. These movements suggest modest short-term easing in borrowing costs for refinancers, which may benefit members seeking reduced monthly payments or shorter loan terms. Borrowers prioritizing payment stability might consider fixed-rate options now, while evaluating if refinancing aligns with their financial goals given recent yield spread fluctuations. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20refinance%20rates.

As of November 28, 2025, 15-Year Fixed-Rate Mortgage and 30-Year Fixed-Rate Mortgage refinance rates remain steady at 5.25% and 5.875%, respectively. Both products show no change over the past week or month, indicating stable yield spreads and consistent cost of borrowing for refinancing borrowers. The 15-year fixed option offers the lowest rate available today, appealing to members prioritizing quicker equity build-up and reduced interest expenses. Meanwhile, the 30-year fixed maintains its position for those seeking longer-term payment stability despite a slightly higher rate.

Members evaluating mortgage strategies should consider locking in these stable fixed rates to mitigate future rate volatility. Refinancing may be advantageous if projected savings exceed associated costs.

For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of November 28, 2025, LANGLEY credit union reports stable mortgage rates for refinancing. The 30-year fixed refinance rate remains at 4.99%, unchanged over the past week and month, reflecting steady borrowing costs for long-term debt holders. Conversely, the 15-year fixed refinance rate decreased significantly by 78 basis points from one week ago, now at 5.00%, indicating a notable reduction in yield spreads for shorter-term commitments.

Members considering refinancing can leverage the lower 15-year fixed rate to reduce interest expenses and shorten loan duration, while those prioritizing payment stability may prefer the consistent 30-year fixed rate. These shifts underscore the importance of aligning mortgage strategies with individual financial goals and risk tolerance.

Evaluate your refinancing options carefully; if potential savings outweigh closing costs, transitioning to a lower-rate term could optimize your financial position.

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

As of November 28, 2025, Navy Federal Credit Union's refinance rates show notable shifts in fixed-rate offerings. The 15-year fixed refinance rate remains steady at 5.0%, representing the lowest rate available today with a slight increase of +12.5 basis points compared to 30 days ago. This stability benefits members seeking shorter-term refinancing with predictable payments. Conversely, the 30-year fixed refinance rate has declined sharply by 100 basis points over the past week to 5.5%, improving affordability for long-term borrowers by reducing yield spreads and overall borrowing costs.

Members considering refinancing should evaluate their mortgage horizon; those valuing payment consistency might favor the stable 15-year fixed option, while others aiming for lower monthly obligations could benefit from the recent drop in the 30-year fixed rate. Careful assessment of closing costs against potential savings is advised before proceeding.

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

As of November 28, 2025, refinance rates for Fixed Conforming High-Cost Area loans remain steady. The 15-year fixed refinance rate holds at 5.75% with 1 point, unchanged from both last week and the past month, signaling stable borrowing costs for members prioritizing shorter-term payoffs. Meanwhile, the 30-year fixed refinance rate stands at 6.125% with 1 point, also unchanged over the last 7 and 30 days, maintaining consistent long-term yield spreads in this high-cost segment.

For members considering refinancing, these stable rates provide a clear baseline for evaluating potential savings versus refinancing costs. Those valuing predictable payments may find fixed-rate options beneficial given the current market steadiness. Members should assess their mortgage strategy carefully to determine if refinancing aligns with their financial goals and long-term cost reduction.

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

As of November 28, 2025, 15-year fixed refinance loans offer the lowest rate at 5.125%, down by 12.5 basis points compared to last week, maintaining stability relative to 30 days ago. Meanwhile, 30-year fixed refinance rates stand at 6.0%, also decreased by 12.5 basis points over the past seven days with no change from a month prior. These modest declines in yield spreads reduce the overall cost of borrowing for members seeking to refinance, particularly benefiting those aiming to shorten loan terms or lower monthly payments. Borrowers should assess whether locking in a fixed rate aligns with their financial goals given current market stability. For members evaluating mortgage strategies, considering refinancing could be advantageous if potential savings outweigh associated costs.

For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

Mortgage rates showed a slight upward trend today. The 15-Year Fixed Rate Jumbo is now at 6.254%, up 1 basis point from yesterday and 19 basis points higher than a week ago. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.388%, reflecting a 2 basis point increase in just one day. Both products have increased over the past month, with the 15-Year Fixed Rate Jumbo rising by 16 basis points. Borrowers may experience higher costs of borrowing as these rates continue to rise, which could influence loan affordability and overall mortgage planning strategies. It's advisable for potential borrowers to consider locking in current rates to mitigate future fluctuations.

Inflation expectations, reflected in the Breakeven Inflation Rates, are crucial as they influence mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rate stands at 6.230%, unchanged from yesterday but down 0.66% over the past year. The largest weekly increase was seen in the Mortgage 30Yr Usda Average Rates, which rose by 0.10 points, while the most significant drop over 30 days was in the Breakeven Inflation Rate 5Yr, falling by 0.08 points. As inflation trends affect long-term borrowing conditions, borrowers may benefit from monitoring these fluctuations closely to make informed financing decisions. Understanding these dynamics can lead to better mortgage choices and financial planning.

Every homebuyer’s journey is unique, but the need for trustworthy information is universal. That’s why LendMesh brings together a wide network of banks and credit unions, offering you the best mortgage rates and personal guidance you won’t find anywhere else. Our mission is to simplify the complex, whether you’re curious about pre-qualification, interested in refinancing, or planning a long-term financial future. We combine human stories with financial know-how, making it easier for you to step into the home you love. Take your next step by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . because at LendMesh, your story matters.