December 26, 2025 | Lowest Fixed Conventional Refinance Rate Steady at 4.75%

On December 26, 2025, conventional refinance mortgage rates remain steady with the 15-year fixed-rate at 5.5% and the 30-year fixed-rate at 6.0%, both unchanged over the past week and month. This stability in rates translates to consistent borrowing costs for members seeking to refinance existing loans. For homeowners prioritizing shorter-term payoff horizons, the 15-year fixed option offers a lower yield spread by 50 basis points compared to the 30-year, potentially reducing total interest expense despite similar point requirements. Conversely, borrowers opting for longer amortization can lock in the 6.0% rate on a 30-year term, preserving cash flow while maintaining predictable payments. Members should evaluate their refinancing scenarios carefully; if current rates align with or improve upon their existing terms, refinancing could lower overall financial obligations. Consider fixed-rate products if rate predictability is critical for your mortgage strategy.

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

As of December 26, 2025, the 30-Year Fixed Refinance mortgage rate remains steady at 6.0%, showing no change compared to both one and seven days ago. This stability in yield spreads indicates that the cost of borrowing for refinancing has not fluctuated recently, providing predictable conditions for members considering long-term fixed-rate options. For homeowners weighing refinancing decisions, maintaining a consistent rate environment may support evaluating potential savings against closing costs without concern for immediate rate increases. Members prioritizing payment certainty could find the 30-Year Fixed Refinance program suitable given today’s unchanged rate level. Consider your mortgage strategy carefully; if your current loan carries a higher rate, refinancing might reduce overall expenses despite stable rates. For details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/refinance-and-save/.

As of December 26, 2025, 15-Year Fixed Rate Refinance and 30-Year Fixed Rate Refinance products remain steady at 5.25% and 5.875%, respectively, with no basis point changes over the past week or month. This stability in yield spreads suggests consistent borrowing costs for members seeking to refinance existing mortgages. For homeowners prioritizing shorter-term payoff schedules, the 15-year fixed refinance rate at 5.25% offers a competitive option with lower overall interest expense. Conversely, those requiring longer amortization may find the 30-year fixed refinance rate at 5.875% reflects current market conditions without added volatility. Members should evaluate their refinancing strategy carefully, considering whether current rates can reduce long-term costs relative to closing expenses.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_3979.

On December 26, 2025, refinance rates for fixed mortgage products have edged higher. The 15-year fixed refinance rate increased by 12.5 basis points to 5.375%, matching its level from 15 and 90 days ago but rising compared to last week and last month. Similarly, the 30-year fixed refinance rate rose by 12.5 basis points over the past week to 6.0%, marking a notable increase of 25 basis points since 30 days ago.

These upward shifts imply a modest rise in the cost of borrowing for members considering refinancing; shorter-term borrowers see rates near their recent highs while longer-term loans reflect wider yield spreads compared to a month prior. Members weighing refinancing should assess if potential savings outweigh these incremental costs, particularly if locking in stability with fixed rates is a priority.

Given current market movement, carefully evaluate your mortgage strategy with attention to term length and timing relative to rate trends. Consider refinancing if your projected interest savings exceed associated fees.

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

As of December 26, 2025, refinance rates for fixed-rate mortgages at FIRST COMMUNITY show a modest decline compared to one month ago. The 15 Year Fixed Refinance rate is holding steady at 4.75%, marking a 12.5 basis points decrease from 30 days prior. Similarly, the 30 Year Fixed Refinance rate remains unchanged at 5.625%, also reflecting a 12.5 basis points drop over the past month. There has been no change in rates over the past week for either term.

For members considering refinancing, these lower yields could reduce borrowing costs and improve cash flow, especially for those with longer loan terms seeking stability in their monthly payments. Evaluating fixed-rate options now may help lock in favorable conditions before any potential market shifts.

Consider your refinancing strategy carefully; if your potential savings exceed closing costs, refinancing could be financially advantageous.

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

As of December 26, 2025, 15-Year Fixed-Rate Mortgage refinance loans remain steady at a competitive 5.25%, holding the lowest yield among today’s options with no change over the past week or month. This stability benefits members seeking to reduce interest costs through shorter-term refinancing. Meanwhile, the 30-Year Fixed-Rate Mortgage refinance rate is unchanged at 6.00% from last week but has increased by 12.5 basis points compared to 30 days ago, indicating a slight upward shift in long-term borrowing costs. Members considering extended loan terms should weigh this moderate rise against their financial goals. For those prioritizing payment predictability, fixed-rate options continue to offer transparency amid market fluctuations. Evaluate your mortgage strategy carefully and consider refinancing if potential savings outweigh associated expenses. For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of December 26, 2025, Langley reports stable mortgage rates with no changes in recent weeks for key refinance products. The 30-year fixed refinance rate remains steady at 4.99%, holding its yield from both 7 and 30 days ago. Similarly, the 15-year fixed refinance rate is unchanged at 5.00%, maintaining a significant decline from rates observed 45 to 60 days prior when it exceeded 5.75%. These stable rates imply consistent borrowing costs for members considering refinancing.

For homeowners evaluating long-term cost management, locking in these fixed-rate refinance options offers predictable payments amid a flat rate environment. Stability in these rates supports clear financial planning without exposure to rising interest risk. Members should assess if refinancing at current yields aligns with their goals to reduce interest expenses over time.

Consider your mortgage strategy carefully; evaluate refinancing when potential savings surpass associated costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of December 26, 2025, Navy Federal Credit Union reports steady mortgage rates in key refinance categories. The Conventional Fixed 15 Year refinance rate remains at a competitive 5.0% with 0.25 points, holding steady over the past week and showing a significant 50 basis points decline versus 30 days ago, reducing borrowing costs for members seeking shorter-term stability. Conversely, the Homebuyers Choice 30 Year fixed refinance rate holds at 6.5% with 0.5 points, unchanged week-over-week but up by 75 basis points compared to 30 days prior, indicating increased long-term yield spreads that may impact affordability for longer terms.

Members considering refinancing should weigh these trends carefully; those prioritizing predictable payments might favor the lower, stable 15-year option. Evaluating the cost-benefit of refinancing is advisable when potential savings exceed associated fees.

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

On December 26, 2025, 15-year fixed refinance loans saw a decrease in rates to 5.0%, down 12.5 basis points from one week ago and also 12.5 basis points lower than 30 days prior. This reduction in yield spreads lowers the cost of borrowing for members seeking shorter-term refinancing, potentially improving monthly cash flow and overall interest expenses. In contrast, the 30-year fixed refinance rate held steady at 6.0%, with no change over the past week or month, maintaining a stable long-term borrowing cost.

Members considering refinancing should evaluate whether locking in the improved rate on 15-year fixed refinance options aligns with their financial goals for faster principal reduction and interest savings. Stability-seeking borrowers may prefer the unchanged 30-year fixed refinance option despite its higher rate. For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

As of December 26, 2025, mortgage rates are generally down for 15-Year Fixed Rate Jumbo loans and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo is now at 6.273%, a decrease of 0.08 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.343%, down by 0.06 basis points. Over the past week, the biggest change was seen in the 30-Year Fixed Rate Jumbo, which fell by 0.04 basis points. Borrowers may find opportunities for cost savings, particularly with the current trends indicating lower borrowing costs compared to previous weeks. It is advisable to consider locking in these rates for potential savings on long-term financing.

Inflation expectations, as reflected in the Breakeven Inflation Rates, play a significant role in influencing mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rates stand at 6.180%, showing a slight decrease of 3 bps over the past week and down 59 bps from a year ago. The largest shifts recently occurred in the Mortgage 30Yr Usda Average Rates, which rose by 15 bps over the past week and increased by 26 bps over the last 60 days. Borrowers should be aware that even minor changes in rates can significantly affect monthly payments and overall loan affordability. Monitoring these trends is essential for informed financial decisions.

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