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Mortgage rates today, December 12, 2025: 30-year rates are unchanged at 6.27%

Mortgage rates today, December 12, 2025: 30-year rates are unchanged at 6.27% Mortgage rates are unchanged and still under 7%. Today’s national average on a 30-year fixed-rate mortgage is 6.27%, according to Bankrate. If you choose a 15-year fixed-rate mortgage, the average rate is 5.58%.

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Mortgage rates rise despite Fed cut

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Fed cuts interest rates again: What's next for mortgages, credit cards

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Should you refinance now? This could be the Fed’s last rate cut for a while.

The Federal Reserve has cut interest rates for the third time in a row — and possibly the last time for a while.

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Will fed interest rate cut help consumers?

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Mortgage Rates Tick Lower After Fed Move. What It Means for Home Sales.

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Here’s exactly what 7 financial pros think mortgage rates will do in December — and early 2026

Homebuyers have seen some recent mortgage rate relief. Indeed, the 30-year, fixed-rate mortgage was 6.23% as of November 26 — which was down from the week prior, and down from 6.81% a year prior. (You can see some of the lowest mortgage rates you may qualify for here, from our ad partner Bankrate.)

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What the Fed’s rate cut means for your mortgage, credit cards, and more

The Fed's interest rate cut will have a gradual impact on mortgages and credit card rate relief could be slow.