Mortgage and refinance interest rates today, October 4, 2025: On pause for now

Mortgage rates are taking a pause. According to Zillow, the average 30-year fixed mortgage rate is down one basis point to 6.28%, and the 15-year fixed rate is unchanged at 5.58%. Read more: The best mortgage lenders for first-time buyers Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.28% 20-year fixed: 5.79% 15-year fixed: 5.58% 5/1 ARM: 6.69% 7/1 ARM: 6.79% 30-year VA: 5.67% 15-year VA: 5.20% 5/1 VA: 5.46% Remember, these ...