December 5, 2025 | Lowest Fixed Conventional Refinance Rate Holds at 4.99%

As of December 5, 2025, mortgage rates for 15-Year Fixed-Rate Conventional Refinance and 30-Year Fixed-Rate Conventional Refinance remain steady at 5.5% and 6.0%, respectively. There has been no change in these rates over the past week or month, indicating stable yield spreads and borrowing costs in the conventional refinance market. For members considering shorter-term debt reduction, the 15-year fixed at 5.5% offers the lowest rate option available today. Meanwhile, those planning longer repayment periods will see consistent pricing with the 30-year fixed at 6.0%.

Given this stability, members should carefully evaluate their refinancing strategies; locking in fixed rates may provide predictable payments amid broader market uncertainty. Consider refinancing if potential savings on interest exceed associated closing costs to optimize long-term financial outcomes.

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

As of December 5, 2025, 15-Year Fixed Refinance rates have risen by 12.5 basis points to 5.375%, matching the rate from 30 days ago. Meanwhile, the 30-Year Fixed Refinance rate increased notably by 25 basis points over the past week, now at 6.0%, maintaining a stable yield spread compared to one month prior. These movements imply a higher cost of borrowing for long-term refinancing, impacting borrowers seeking extended loan terms more significantly.

Members considering refinancing should weigh the trade-offs between shorter and longer terms; 15-year fixed options remain the lowest cost choice in this snapshot and may benefit those prioritizing quicker equity build-up and reduced interest expense. Evaluating your mortgage strategy with attention to recent rate shifts can help optimize long-term financial outcomes.

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

As of December 5, 2025, the 15-Year Fixed-Rate Mortgage for refinancing remains steady at 5.25%, unchanged from both one and 30 days ago. This rate continues to offer the lowest yield among available refinance options, benefiting members seeking to reduce interest costs over a shorter term. Meanwhile, the 30-Year Fixed-Rate Mortgage has increased by 12.5 basis points week-over-week to 6.00%, marking a rise that elevates the long-term cost of borrowing compared to recent weeks.

For members focused on refinancing, these movements suggest weighing the trade-offs between the stability and lower rate of the 15-year fixed option versus the longer amortization and higher current yield of the 30-year fixed product. Consider fixed-rate mortgages if you prioritize payment predictability; those with sufficient equity may find refinancing advantageous if projected savings surpass transaction costs.

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

As of December 5, 2025, 30-year fixed refinance rates remain steady at 4.99%, showing no change over the past week or month, reflecting stable borrowing costs for long-term mortgage holders. In contrast, the 15-year fixed refinance rate holds at 5.00%, unchanged in the last seven days but down by 78 basis points compared to 30 days ago. This notable decline in shorter-term yields may benefit borrowers aiming to reduce overall interest expenses through accelerated payoff schedules. Members considering refinancing should evaluate their financial goals carefully; fixed-rate options provide predictable payments amid a stable rate environment, while the significant drop in 15-year rates suggests potential savings on interest if cash flow permits higher monthly payments. Consider your mortgage strategy in light of these trends to optimize cost efficiency over time. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of December 5, 2025, Conventional Fixed 15-Year Refinance rates remain steady at 5.0% with minimal movement over the past week and month, reflecting stable borrowing costs for members seeking shorter-term fixed options. This rate is currently the lowest available among today’s refinance products, offering a reliable choice for those prioritizing consistent payments and quicker principal reduction.

Conversely, the Homebuyers Choice 30-Year Fixed Refinance rate has increased by 87.5 basis points in the last seven days to 6.375%, though it remains slightly lower than rates observed 30 days ago. This rise impacts long-term refinancing costs, particularly affecting borrowers with extended loan horizons who may face higher yield spreads and increased total interest expense.

Members should consider these dynamics when evaluating mortgage strategies; fixed 15-year options provide cost predictability, while recent increases in 30-year rates warrant careful analysis of refinancing benefits relative to closing costs and long-term savings. For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

As of December 5, 2025, refinance rates for Conforming High-Cost Area loans remain stable. The 15-year fixed refinance holds at 5.75% with 1.0 point, unchanged over the past week and month, reflecting no movement in yield spreads or cost of borrowing. Meanwhile, the 30-year fixed refinance rate is steady at 6.125% with 1.0 point, also unchanged compared to seven and thirty days ago.

This stability benefits members considering refinancing to lock in predictable payments; those seeking shorter terms may find the 15-year fixed rate at 5.75% offers lower overall interest expense. Conversely, longer-term borrowers maintaining the 30-year fixed at 6.125% face consistent borrowing costs without recent volatility.

Members should evaluate their mortgage strategies against these steady rates; consider refinancing if potential savings outweigh closing costs, especially when prioritizing payment stability or reducing loan duration. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of December 5, 2025, 15-year fixed refinance loans remain at a competitive 5.125% with 1.0 point, unchanged from last week but down 12.5 basis points compared to 30 days ago. This lower yield spread reduces the cost of borrowing for homeowners seeking shorter-term refinancing, potentially benefiting those aiming to pay off their mortgage faster. Meanwhile, the 30-year fixed refinance option holds steady at 6.0% with 1.0 point, also unchanged week-over-week and down by 12.5 basis points from one month prior, offering stability for members prioritizing long-term fixed payments.

These rate trends suggest refinancing could be advantageous if projected savings surpass associated costs; members should evaluate fixed-rate options to align with financial goals and risk tolerance.

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

As of December 5, 2025, the 15-Year Fixed Refinance rate stands at 5.375%, marking a modest increase of 12.5 basis points from one week ago, while holding steady compared to one month prior. This slight uptick reflects a marginal rise in borrowing costs for those seeking shorter-term fixed refinancing options. Conversely, the 30-Year Fixed Refinance rate has decreased significantly by 87.5 basis points over the past seven days to 6.0%, maintaining stability versus 30 days ago. This notable decline improves yield spreads for longer-term borrowers considering refinancing.

Members evaluating refinancing should weigh these shifts carefully; shorter-term fixed loans now carry slightly higher rates, whereas extended terms offer more favorable conditions. Consider your financial horizon and locking in fixed-rate options if you prioritize payment predictability. For details, visit https://www.wecu.com/homeloans/va-loans/.

As of December 5, 2025, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is at 6.166%, down by 0.02% from yesterday and up 0.11% over the past month, indicating a moderate increase in borrowing costs for this product. In contrast, the 30-Year Fixed Rate Jumbo stands at 6.249%, reflecting a slight rise of 0.02% today but a notable drop of 0.18% over the past week, suggesting potential short-term savings for borrowers considering this longer-term option. Overall, while recent trends show fluctuations, borrowers should remain vigilant about rate changes that could affect their financing decisions.

Current breakeven inflation rates signal modest expectations for future inflation, with the 10-year rate at 2.260% and the 5-year rate at 2.330%. These figures can influence mortgage rates, which remain elevated, particularly with the 30-year average mortgage rate at 6.190%, while the lowest rate observed is in the 30-year USDA category at 5.961%. The largest recent shift was a decline of 0.07 percentage points in the Mortgage 15-Year Average Rates over the past week, suggesting potential cost savings for borrowers considering shorter-term loans. As inflation expectations stabilize, monitoring these indicators can help borrowers make informed decisions about financing their homes.

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