Mortgage and refinance interest rates today, December 29, 2025: Mostly unchanged for 2 months

Mortgage rates are beginning the holiday week close to where they've been for about two months. According to Zillow data, the 30-year fixed mortgage rate is 6.01%, and the 15-year fixed rate is 5.47%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.01% 20-year fixed: 5.93% 15-year fixed: 5.47% 5/1 ARM: 6.11% 7/1 ARM: 6.34% 30-year VA: 5.59% 15-year VA: 5.19% 5/1 VA: 5.24% Remember, these are the national averages and rounded t ...