Mortgage Rates 📢 November 17th, 2025

INTEREST RATES

Rate data as of morning of publication. Unless noted otherwise, all scenarios are assuming 30 Year-Fixed mortgage, Purchase or R/T Refinance. No origination points charged, 780 FICO score, and 20% down payment. Provided for consumer education only and does not serve as a binding offer to extend lending. Payment period, interest rate, APR, and other terms subject to income, asset, and credit profile qualification. Provided courtesy of GTG Financial, Inc. NMLS 1595076. Equal housing opportunity. www.nmlsconsumeraccess.org

💡 Why This Matters

📉 Rates have held steady
For almost two weeks, mortgage rates have bounced in a tight 12 to 16 bps range. After months of volatility, this kind of calm is a gift. Stable rates help buyers lock without fear of a sudden spike and give sellers more predictable demand.

🧑‍💼 Labor market weakness is helping
Recent job data continues to cool. ADP showed job losses, unemployment is creeping higher, and multiple surveys say layoffs are rising. Weak labor data typically supports lower bond yields, which helps mortgage rates.

📊 The Fed is watching the data closely
Several Fed officials have hinted that cuts are still on the table as long as inflation keeps sliding and the labor market softens. If upcoming reports confirm that trend, the market could price in more cuts, giving rates room to drift lower.

🏠 What this means for your buyers and sellers
Stable rates + softer economic data = a window of opportunity. Buyers can plan with more confidence, and sellers benefit from steady demand instead of stop-and-go activity tied to rate spikes.