{"id":57210,"date":"2025-11-19T14:50:22","date_gmt":"2025-11-19T14:50:22","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-november-19-2025\/"},"modified":"2025-11-19T14:50:22","modified_gmt":"2025-11-19T14:50:22","slug":"what-are-todays-mortgage-interest-rates-november-19-2025","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-november-19-2025\/","title":{"rendered":"What are today&#8217;s mortgage interest rates: November 19, 2025?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/19\/b1e25e39-2f8d-4926-833b-c15bb6932c7a\/thumbnail\/620x413\/a3f05992b61f48eb611bae743ad68a94\/gettyimages-1460942579.jpg#\" alt=\"gettyimages-1460942579.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/19\/b1e25e39-2f8d-4926-833b-c15bb6932c7a\/thumbnail\/620x413\/a3f05992b61f48eb611bae743ad68a94\/gettyimages-1460942579.jpg 1x, https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/19\/b1e25e39-2f8d-4926-833b-c15bb6932c7a\/thumbnail\/1240x826\/824c86beb683297868f7dd3f762c67ba\/gettyimages-1460942579.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Mortgage interest rates have dropped significantly from where they were in January 2025.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Grace Cary\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>If you find yourself more frequently visiting online real estate websites to see what new listings are being posted, you may also be contemplating your exact price range and budget. This is a critical part of the homebuying process and one that, unfortunately, has been problematic for buyers in recent years due to a combination of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/inflation-june-cpi-report-hit-new-high-40-years-9-1-percent\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">inflation<\/a><\/span> and higher <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-hikes-interest-rate-to-22-year-high-july-2023\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rates<\/a><\/span>, the latter of which negatively impacted the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/interest-rate-mortgage-highest-since-2000\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage rate climate<\/a><\/span>\u00a0specifically.<\/p>\n<p>But <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-mortgage-and-mortgage-refinance-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage interest rates<\/a><\/span> are on the decline again following a series of Federal Reserve rate cuts issued over the past year or so. And, average rates here are <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-far-mortgage-rates-have-dropped-in-2025-how-much-further-they-can-fall\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">down by around a full percentage point just from where they began in January 2025<\/a><\/span>, offering many buyers a new, affordable way to re-enter the market. So, in November 2025, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-you-should-check-mortgage-interest-rates-daily\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">rates here could be worth monitoring again<\/a><\/span> and, for some, even worth locking one in before they have a chance to rise again.<\/p>\n<p>So, what are today&#8217;s mortgage interest rates as of November 19, 2025? Below, we&#8217;ll detail everything buyers (and owners hoping to refinance) need to know right now to make an informed decision.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-november-19-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how low your current mortgage interest rate offers are here<\/a>.<\/p>\n<h2><strong>What are today&#8217;s mortgage interest rates?<\/strong><\/h2>\n<p>The average mortgage interest rate on a 30-year mortgage term is 6.12% as of November 19, 2025, according to <a href=\"https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow<\/a>. The average rate on a 15-year term is 5.37% now, dropping slightly from the 5.50% rate it was found at in recent days. For context, the average rate on a 30-year term was over 7% in January, so today&#8217;s 6.12% could be low enough to justify taking action, especially as the likelihood of a <a href=\"https:\/\/www.cmegroup.com\/markets\/interest-rates\/cme-fedwatch-tool.html\" target=\"_blank\" rel=\"nofollow noopener\">December Fed rate cut<\/a> continues to wane.\u00a0<\/p>\n<p>Take the time, then, to calculate your monthly payment costs using today&#8217;s average rate to see if it&#8217;s now low enough to continue <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/best-mortgage-lenders-to-know-now-advice-on-buying-and-refinancing\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">your homebuying journey<\/a><\/span>.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-november-19-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Shop for rates and lenders online today<\/a>.<\/p>\n<h2><strong>What are today&#8217;s mortgage refinance rates?<\/strong><\/h2>\n<p>The average mortgage refinance rate on a 30-year mortgage term is 6.78%, as of November 19, 2025, according to <a href=\"https:\/\/www.zillow.com\/refinance\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow<\/a>. The average mortgage refinance rate on a 15-year term, however, is significantly lower at just 5.76% now. While today&#8217;s 30-year mortgage refinance rate will only be helpful for a relatively small number of homeowners right now, the 15-year one may be worth exploring further.\u00a0<\/p>\n<p>Not only will owners with 30-year mortgages save significant sums of interest by refinancing into the lower rate, but they will also expedite their payoff timeline. At the same time, the condensed timeframe will mean larger monthly payments than they would otherwise have with a 30-year mortgage. So that will need to be weighed carefully to ensure affordability.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The average mortgage interest rate on a 30-year mortgage term is 6.12% as of November 19, 2025, and 5.37% for a 15-year term. It&#8217;s 6.78% for a 30-year refinance rate and 5.76% for a 15-year refinance rate. All of these rates are significantly lower than they were in recent years, meaning that today may be the day to start shopping for lenders and rates. Just be sure to calculate your costs as accurately as possible and don&#8217;t forget about <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-closing-costs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">closing costs<\/a><\/span>, which will need to either be rolled into your overall mortgage loan or paid upfront.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/todays-mortgage-interest-rates-november-19-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage interest rates have dropped significantly from where they were in January 2025. Grace Cary\/Getty Images If you find yourself<\/p>\n","protected":false},"author":1,"featured_media":57211,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-57210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are today&#039;s mortgage interest rates: November 19, 2025? - World News<\/title>\n<meta name=\"description\" content=\"Looking to buy a home or refinance your existing one? 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