Mortgage Rates Increase Slightly

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Business

Business & Economics

Mortgage and refinance interest rates today for July 7, 2025: How to handle a high-rate housing market

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75% Informative

Today ’s average 30-year mortgage rate is 6.59% , and the 15-year fixed rate is 5.81% .

Today 's mortgage refinance rates tend to be a little higher than purchase rates.

Use the free Yahoo Finance mortgage calculator to see how different terms and rates will affect your monthly payment.

Mortgage lenders typically give the lowest mortgage rates to people with higher down payments, excellent credit scores, and low debt-to-income ratios.

If you want a lower rate, try saving more, improving your credit score, or paying down some debt before you start shopping for homes.

You can also buy down your interest rate permanently by paying for discount points at closing.

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