What are today's mortgage interest rates: December 17, 2025?
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TL;DR
- Mortgage interest rates have declined throughout 2025, partly due to Federal Reserve rate cuts.
- As of December 17, 2025, the average 30-year mortgage rate is 5.99%, and the 15-year rate is 5.37%.
- Average refinance rates for a 30-year mortgage are 6.77%, and for a 15-year mortgage, they are 5.76%.
- Buyers and homeowners can potentially find rates below 6% and should compare lenders.
- Consider mortgage rate locks or float-down options to secure current rates.