{"id":60790,"date":"2025-12-12T15:45:46","date_gmt":"2025-12-12T15:45:46","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-december-12-2025\/"},"modified":"2025-12-12T15:45:46","modified_gmt":"2025-12-12T15:45:46","slug":"what-are-todays-mortgage-interest-rates-december-12-2025","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-december-12-2025\/","title":{"rendered":"What are today&#8217;s mortgage interest rates: December 12, 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\/12\/12\/d0679afd-cb9b-464e-8ed6-dd5cd99338f9\/thumbnail\/620x413\/8179a3368dcc6ea82c2ea00a81cc5712\/gettyimages-1450814358.jpg#\" alt=\"Row of Single Family Homes on Residential Street in Western New York During Early Winter \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/12\/12\/d0679afd-cb9b-464e-8ed6-dd5cd99338f9\/thumbnail\/620x413\/8179a3368dcc6ea82c2ea00a81cc5712\/gettyimages-1450814358.jpg 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/12\/12\/d0679afd-cb9b-464e-8ed6-dd5cd99338f9\/thumbnail\/1240x826\/b740808ade128ccaf00acf3f62ac73bc\/gettyimages-1450814358.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Homebuying costs have gradually but noticeably declined in 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>The final Federal Reserve meeting of 2025 was completed this week, and with it, the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-fomc-meeting-today-rate-cut-decision-jerome-powell\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">final interest rate cut of the year<\/a><\/span> was issued. Now comes the interesting part. After all, a Fed rate cut is never a guarantee, so lenders were operating a bit in the dark in the days and weeks leading up to the meeting. But now that the cut has been formalized and Federal Reserve Chairman Jerome Powell has spoken about the trajectory of rate cuts in 2026, there&#8217;s more information to digest for lenders.<\/p>\n<p>This is particularly important for the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/the-fed-just-cut-rates-to-their-lowest-point-since-2022-heres-what-that-could-mean-for-mortgage-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage rate climate<\/a><\/span>, in which buyers and owners hoping to refinance have been encountering interest rates exponentially higher than they were at the start of the decade. <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 gradually declined for much of 2025 and now, with the federal funds rate at its lowest point since 2022, are well positioned to fall further, even if those improvements come incrementally.<\/p>\n<p>But what are today&#8217;s mortgage interest rates, exactly, as of December 12, 2025? Below, we&#8217;ll detail the latest rates to know now, post-December Fed rate reduction.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-december-12-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how low your current mortgage 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 term moved down slightly on December 12, 2025, to 5.99%, 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 was 5.37% as of Friday. With both options under 5% right now, then, and with both of these rates considerably higher just at the start of 2025, let alone 2023 or 2024, mortgage rates could now be low enough to justify taking action.\u00a0<\/p>\n<p>While they&#8217;re not near the record lows available earlier in the decade, mortgage rates are now sitting around <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-mortgage-rates-may-not-be-as-high-as-you-think\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">historical averages<\/a><\/span>. And with a little time spent shopping around online, buyers may be able to find lenders offering rates even lower than these averages right now. Don&#8217;t forget, however, that after the previous two Fed rate cuts (before the one issued this week), mortgage interest rates actually ticked up a bit. So, if you can afford today&#8217;s rates, it may be worth shopping around to find one low enough that&#8217;s worth locking in (you can always <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-refinance-rate-forecast-for-2026-what-some-experts-expect\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinance<\/a><\/span> in the future).<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Ftodays-mortgage-interest-rates-december-12-2025\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Shop for low mortgage rates 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 term climbed to 6.77% on December 12, 2025, according to <a href=\"https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow<\/a>, from 6.67%. The average refi rate for a 15-year term remained unchanged from where it was earlier this week, staying at 5.67%.\u00a0<\/p>\n<p>While these rates may be low enough for some homeowners to consider a move now, it&#8217;s critical to remember that mortgage refinancing requires <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> to be paid. So you&#8217;ll need to weigh those costs against the potential monthly savings these rates now offer to better determine the value of a refinance. And, if you&#8217;re considering selling the home before the break-even point on those costs, a refinance is generally worth avoiding.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The average mortgage interest rate on a 30-year mortgage as of December 12, 2025, is just 5.99% and 5.37% for a 15-year option. The median refinance rate is 6.77% for a 30-year option and more than a full percentage point lower at 5.67% for a 15-year refi. There are <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=\"\">multiple ways to secure a rate under 6% now<\/a><\/span>, whether you&#8217;re a homebuyer or homeowner. And when was the last time you were able to say that? Consider, then, using this week&#8217;s Fed rate cut news as a motivation to reconsider your purchase and refinance options.<\/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-12-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homebuying costs have gradually but noticeably declined in 2025. Grace Cary \/ Getty Images The final Federal Reserve meeting of<\/p>\n","protected":false},"author":1,"featured_media":60791,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-60790","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 12, 2025? - World News<\/title>\n<meta name=\"description\" content=\"Want to know how this week&amp;#039;s Fed rate cut impacted the mortgage rate climate? 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Here are the latest interest 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