2025年11月,由于美联储削减利率,房贷利率略有下降,30年固定利率为6.20%。 Mortgage rates dipped slightly in November 2025 due to Fed rate cuts, with 30-year fixed rates at 6.20%.

截至2025年11月10日,平均30年固定抵押利率为6.200 %,比最近高点略有下降,再融资利率为6.37%。 As of November 10, 2025, the average 30-year fixed mortgage rate is 6.200%, down slightly from recent highs, with refinancing rates at 6.37%. 自2025年9月美联储削减利率以来,利率有所缓和,但仍大大高于历史最低水平。 Rates have eased since September 2025 following Federal Reserve rate cuts, but remain well above historic lows. 可调整的按揭利率从5.75%到6.125%不等,向计划在利率调整前重新融资或出售的借款人发出呼吁。 Adjustable-rate mortgages range from 5.75% to 6.125%, appealing to borrowers planning to refinance or sell before rates adjust. 虽然固定利率贷款仍然占主导地位,但再融资可能使利率较高的人受益,提供较低的支付、股本准入或取消抵押保险——尽管适用成本和信贷要求。 While fixed-rate loans remain dominant, refinancing may benefit those with higher rates, offering lower payments, equity access, or removal of mortgage insurance—though costs and credit requirements apply.