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30 Year Fixed Mortgage Rates: Live Comparison – November 14, 2025
As of Friday, November 14, 2025, here are the real 30-year fixed rates across major lenders – and how our par pricing (zero points) stacks up.
Conventional 30-Year Fixed Rates (740+ FICO, 20% down, $650k loan)
| Lender | Rate | APR | Points |
|---|---|---|---|
| Chase | 6.375% | 6.412% | 0.875 |
| Wells Fargo | 6.250% | 6.311% | 0.750 |
| Bank of America | 6.125% | 6.189% | 0.625 |
| Rocket Mortgage | 6.375% | 6.489% | 1.000 |
| Los Angeles Mortgage Lender (Par) | 5.99% | 6.02% | 0 |
FHA 30-Year Fixed Rates (620+ FICO, 3.5% down, $650k loan)
| Lender | Rate | APR | Points |
|---|---|---|---|
| UWM | 5.875% | 6.789% | 0.500 |
| PennyMac | 5.990% | 6.912% | 0.750 |
| Freedom Mortgage | 5.875% | 6.801% | 0.625 |
| Los Angeles Mortgage Lender (Par) | 5.625% | 6.489% | 0 |
Real Payment Example – $850,000 Purchase (Today’s Scenario)
Option 1: FHA – 3.5% Down ($29,750 down)
Loan amount: $820,250 | Rate: 5.625%
Principal + Interest: $4,804.45
Property tax (1.25%): $885 | Insurance (0.55%): $382.53 | FHA MIP (0.55%): $382.53
Total monthly payment: $6,454.93
Option 2: Conventional – 20% Down ($170,000 down)
Loan amount: $680,000 | Rate: 5.99%
Principal + Interest: $4,072.57
Property tax (1.25%): $885 | Insurance (0.55%): $311.67 | PMI: $0
Total monthly payment: $5,369
→ You save $1,024/month vs FHA
Refinance Savings Example
Current loan: $600,000 at 7.5% → P&I $4,195
New loan: $600,000 at 5.99% Conventional → P&I $3,593
Monthly savings: $602 | Lifetime savings (30 yrs): $216,720 (before tax/insurance)
FHA Streamline Refinance: Drop High Rates Fast
Stuck with a high-rate FHA loan from 2023? At 7%, you’re overpaying. Streamline to our 5.625% par rate – no appraisal, no income verification, no credit check beyond timely payments. Costs? Minimal (under $500 often covered by lender credit). Process: 30 days or less.
Example: $400,000 FHA balance at 7% → P&I $2,661
Streamline to 5.625% → P&I $2,303
Monthly savings: $358 | Lifetime savings (30 yrs): $128,880
Important Disclaimer: Understanding Mortgage Rates
The rates featured in this post are illustrative examples based on optimal borrower profiles (e.g., 740+ FICO scores, 20% down payments, low loan-to-value ratios, and primary single-family residences) as of November 14, 2025. Actual rates and terms you receive will vary significantly depending on your individual credit history, FICO score (typically 620+ for FHA, 740+ for best conventional pricing), loan-to-value ratio, debt-to-income ratio, property type (e.g., condo, multi-unit, or investment), occupancy status, market conditions, and full loan qualification. These factors ensure your rate is tailored to your unique financial situation, but they also mean the advertised rates may not apply directly to everyone. This guide is designed to educate and compare market trends—rates can change daily without notice. For the most accurate, personalized rate quote that fits your needs, we strongly recommend heading to our site to request a free, no-obligation consultation. There, you’ll get a customized breakdown in minutes, helping you make informed decisions without surprises. Not all applicants qualify; approval is subject to underwriting guidelines and verification. Consult a licensed loan officer for details.
Rates change daily. Lock yours before they move again.
