{"id":59632,"date":"2025-12-05T16:25:28","date_gmt":"2025-12-05T16:25:28","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-december-5-2025\/"},"modified":"2025-12-05T16:25:28","modified_gmt":"2025-12-05T16:25:28","slug":"what-are-todays-mortgage-interest-rates-december-5-2025","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-december-5-2025\/","title":{"rendered":"What are today&#8217;s mortgage interest rates: December 5, 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:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/12\/05\/f0e27137-6184-484f-979b-01a71f35ebe4\/thumbnail\/620x413\/9e125658ffabfa9dd79fc54b913c76ef\/gettyimages-2248512209.jpg#\" alt=\"gettyimages-2248512209.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/12\/05\/f0e27137-6184-484f-979b-01a71f35ebe4\/thumbnail\/620x413\/9e125658ffabfa9dd79fc54b913c76ef\/gettyimages-2248512209.jpg 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/12\/05\/f0e27137-6184-484f-979b-01a71f35ebe4\/thumbnail\/1240x826\/5b89af155fd609b9dd4f3e26f6198392\/gettyimages-2248512209.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Today&#8217;s mortgage interest rates are significantly lower than they were earlier this year.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                sakchai vongsasiripat\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>If you&#8217;re a homebuyer or homeowner hoping to refinance, the middle of the holiday season may seem like an unconventional time to start shopping around for <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>. But unconventional doesn&#8217;t necessarily mean unworthy, especially in the cooling interest rate climate of December 2025. <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=\"\">Mortgage interest rates<\/a><\/span> have been on a gradual decline for much of this year and that could continue in the upcoming weeks if the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-interest-rate-decision-today-fomc-meeting\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Federal Reserve issues another interest rate cut<\/a><\/span> on December 10.<\/p>\n<p>That cut, the third in four months, can further help cool the larger interest rate climate and it could make mortgage rates fall below the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-rates-back-to-3-year-low-october-2025-should-you-lock-one-in\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">3-year lows<\/a><\/span> they&#8217;ve been hovering near since September. That said, there are multiple <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-rate-options-under-6-to-know-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage interest rates options already available under 6%<\/a><\/span>, so waiting may not be necessary for many buyers and owners. Taking action now can be affordable enough.<\/p>\n<p>So, what are today&#8217;s mortgage interest rates, as of December 5, 2025? Below, we&#8217;ll detail what you need to know to better determine your next moves.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-december-5-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how low your current mortgage interest rate offers are now<\/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 term is 5.99% as of December 5, 2025, according to <a href=\"https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow<\/a>. That&#8217;s the same rate that has been seen in recent days as the market waits for Fed action, or lack thereof, to make any significant changes. The average mortgage interest rate on a 15-year term also stayed the same as it has been in recent days, coming in at 5.37%.\u00a0<\/p>\n<p>That said, with both rates under 5% now, and rates here are often over 7% as recently as January this year, these rates could already be low enough to justify re-entering the homebuying market. Take the time to shop around and compare rates and lenders, as these are just averages. Some lenders may offer even lower rates for qualified borrowers.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-december-5-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Shop for low mortgage rates online now<\/a>.<\/p>\n<h2><strong>What are today&#8217;s mortgage refinance rates?<\/strong><\/h2>\n<p>The average mortgage refinance interest rate on a 30-year term declined to 6.62% on December 5, 2025, according to <a href=\"https:\/\/www.zillow.com\/refinance\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow<\/a>. The average refi rate for a 15-year term also declined, coming in at just 5.51% on Friday morning. Both offer homeowners with rates in the 7% or higher range a significant interest-savings opportunity.\u00a0<\/p>\n<p>But remember that refinancing comes with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/refinance-mortgage-closing-costs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">closing costs<\/a><\/span> just like a mortgage purchase does, so it&#8217;s critical that the savings being offered via today&#8217;s lower rates are strong enough to eventually outweigh those costs. If you&#8217;re planning on moving before that break-even point, refinancing won&#8217;t be as advantageous, even with a 15-year option significantly below 6% now.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The average mortgage interest rate on a 30-year term and a 15-year one remained the same on December 5, 2025, as it was in previous days, coming in at 5.99% and 5.37%, respectively. Refinance rates, however, declined on Friday to 6.62% for a 30-year term and 5.51% for a 15-year one, potentially opening new, cost-effective windows of opportunity for existing homeowners. Take the time this holiday season, then, to shop for rates, lenders and terms. You may qualify for an early holiday gift in the form of a more affordable purchase or refinance rate.<\/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-december-5-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today&#8217;s mortgage interest rates are significantly lower than they were earlier this year. sakchai vongsasiripat\/Getty Images If you&#8217;re a homebuyer<\/p>\n","protected":false},"author":1,"featured_media":59633,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-59632","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: December 5, 2025? - World News<\/title>\n<meta name=\"description\" content=\"Looking to buy a home or refinance your current one? 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