Mortgage and refinance interest rates today, December 3, 2025: Forecast says rates to be slightly lower in 2026

Mortgage rates are little changed. According to Zillow, the average 30-year fixed rate is steady at 6.11%. The 15-year fixed home loan rate rose four basis points to 5.52%. In its annual housing forecast released this morning, Realtor.com forecasts that the average 30-year mortgage rate will hold near 6.3% in 2026, down slightly from 2025’s 6.6% average. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.11% 20-year fixed: 5.97% 15-year ...