Free tools Windows power users keep installed
One-click scans. No signup required.
For November 10, 2025, the reported average conventional 30-year refinance rate was 6.37%. That figure comes from Zillow data reported by Fortune, which said its rates reflected the most recent Zillow data available as of November 7—not a live quote or a rate guaranteed to an individual borrower.
Reported refinance rates for November 10, 2025
Fortune reported the following national averages using Zillow data. Rates vary by loan category and repayment term.
| Loan category | Term | Reported average rate |
|---|---|---|
| Conventional | 30-year fixed | 6.37% |
| Conventional | 20-year fixed | 6.42% |
| Conventional | 15-year fixed | 5.64% |
| Conventional | 10-year fixed | 5.84% |
| Jumbo | 30-year fixed | 7.09% |
| Jumbo | 15-year fixed | 6.16% |
| FHA | 30-year fixed | 5.49% |
| FHA | 15-year fixed | 5.53% |
| VA | 30-year fixed | 6.14% |
| VA | 15-year fixed | 6.34% |
Source: Fortune’s November 10, 2025 refinance-rate report, based on Zillow data available through November 7. These are reported averages, not lender offers. Your rate depends on factors including your credit and financial profile, property, loan amount, loan-to-value ratio, loan type, and lender underwriting.
Why Freddie Mac’s nearby averages differ
Freddie Mac’s weekly Primary Mortgage Market Survey (PMMS) recorded a 30-year fixed average of 6.22% and a 15-year average of 5.50% on November 6, 2025. On November 13, the corresponding averages were 6.24% and 5.49%. These figures are useful market context, but they are not the daily refinance averages above.
Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallOutdated Drivers Are Slowing You Down
One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware match#1 Best Overall
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
Freddie Mac says PMMS focuses on conventional, conforming, fully amortizing home-purchase loans for borrowers with 20% down and excellent credit. Its figures therefore measure a different product and borrower scenario from a Zillow-based refinance-rate report. The providers’ methodologies are not reconciled in the available sources, so the values should not be treated as interchangeable or as corrections to one another. See the Freddie Mac PMMS archive and its November 13, 2025 release.
November market context
FHFA reported that the average 30-year fixed mortgage rate was 6.24% in November 2025, effectively unchanged from 6.25% in October. It also reported that total refinance volume fell month over month and that cash-out refinances accounted for 36.5% of November refinance activity. Those are monthly figures, not a quote for November 10. FHFA’s November 2025 report provides that broader context.
Rank #2
- Effective Budget Planning - Take control of your finances with the budget account book. This comprehensive planner allows you to plan and track your income, expenses, savings, and financial goals in one convenient place. With its intuitive layout and easy-to-use sections, you can stay organized and make informed decisions to achieve financial success.
- User-Friendly Layout - The budget planner features a user-friendly layout designed for easy navigation and organization. Each month, you'll find dedicated budget pages where you can set financial goals, track your income, and plan your expenses. Additional sections include debt trackers, savings goals, bill payment trackers, and more, making it simple to stay on top of your finances.
- Undated Monthly Calendar & Bonus Stickers - Featuring undated calendar each month, you'll have ample space to mark paydays, bills due, appointments, and important dates. Say goodbye to difficult writing spaces. Plus, we've included 3 cute sticker sheets that allow you to personalize your financial organizer and make budgeting more fun. Dates are not pre-printed and are completed by the user.
- Reliable and Convenient Design - Our monthly budget planner is designed for your convenience and built to last. The elastic band keeps everything securely in place, and the dual-sided pocket provides extra storage. Experience a budget planner that combines practicality and durability.
- Master Budgeting with Ease - Our financial planner includes a complete guidebook that provides valuable insights and instructions for optimal usage. From setting financial goals to tracking expenses, this guidebook offers step-by-step guidance and practical tips. Whether you're new to budgeting or an experienced user, this resource will help you make the most of your budget planner, empowering you to achieve financial success.
How to decide whether refinancing makes sense
The rate alone cannot show whether a refinance is worthwhile. Refinancing can change your rate or loan term, let you access home equity, or move you to a different loan type. Each goal changes the costs and trade-offs to consider.
Compare the full loan cost
Compare written lender estimates, not just advertised rates. Check the interest rate alongside points, lender fees, and other closing costs, as well as the monthly payment, new loan term, and total interest over the time you expect to keep the loan. Fortune gives a broad estimate of closing costs of roughly 2% to 6% of the loan amount; actual costs vary. Potential charges can include lender, appraisal, title, application, survey, attorney, and recording fees, and in some cases prepayment costs.
Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesRank #3
- Effective Budget Plan Book – Take control of your finances with the SUNEE budget account book. This all-in-one budget planner allows you to plan and track your income, expenses, savings, and financial goals. Its intuitive layout and easy-to-use sections help you stay organized and make smart decisions to reach financial success. Our financial planner also included a comprehensive guidebook with valuable tips and instructions to help you get the most out of your budgeting planner.
- Full-Page Calendars – Each month’s full-page calendar provides plenty of space to track paydays, bills due dates, appointments, and important events. No more cramped boxes or tight writing areas, you can easily plan and organize your schedule at a glance.
- Colorful Pages Layout and Tabs – This vibrant budget planner features a user-friendly design for easy navigation and organization. Each month includes dedicated budget pages to set financial goals, track income, and plan expenses. Additional sections like debt trackers, savings goals, and bill payment trackers make managing your finances a breeze. The colorful backgrounds on each page offer clear, instant visibility.
- Bonus 4 Stickers and Convenient Design – This monthly budget planner is built for convenience and durability. Water-resistant cover protects against spills, while the elastic band keeps everything secure, and the dual-sided pocket offers extra storage. Plus, we’ve included 4 adorable sticker sheets to personalize your planner and make budgeting more enjoyable. Experience a budget planner that combines practicality with lasting quality.
- UNDATED DESIGN & 1 YEAR USE - Undated finance books start with 1 page-financial goals, 1 page-Mind Map, 1 page-Financial Strategy, 1 page-Tactics, 2 pages-Important Dates, 4 pages-Bill Tracker, 4 pages-Saving Tracker, 8 pages-Debt Tracker, followed by 12 Months(10 pages per month, 1 unique color for each month). 2 pages-Christmas Budgeting, 2 pages-Yearly Summary, 2 pages-Check Register and 12 pages-Notes(dotted). It is UNDATED, so you could start at any time, suitable for 1 year use.
Account for the term and your plans
A lower payment may result from extending repayment over more years, rather than from a lower overall borrowing cost. Compare the proposed loan with the remaining balance and term on your existing mortgage, and consider how long you expect to stay in the home before selling or refinancing again. A common rule of thumb is to look for a rate drop of about one percentage point, but it is not a guarantee of savings: fees, loan balance, remaining term, points, and time in the home all affect the result. Ask lenders for estimates that let you evaluate your own numbers rather than assuming a break-even date.
Shop more than one lender
You do not have to refinance with your current mortgage lender. Compare offers for the same loan type, term, and transaction purpose so the costs are easier to assess. You can also ask your current lender whether it offers any cost or pricing incentives. A published average cannot substitute for an individualized loan estimate and underwriting decision.
Quick Recap
Best Value
- 【ACHIEVE YOUR FINANCIAL GOALS】This budget financial planner provides a simple and efficient money management instruments that allows you to plan and track your income, expenses and savings in one convenient place. Take control of your money on a daily, monthly and yearly basis with the budget planner, enabling you to manage your personal finance and make decisions to achieve financial goals.
- 【TRACK SAVINGS, DEBT & BILLS PAYMENTS】Keeping track of savings, debt, and bill payments can help you understand your income and expenses, giving you a clearer picture of your financial situation. In addition, you can identify spending habits and appropriately reduce unnecessary spending.
- 【WELL-DESIGNED】The monthly budget planner is undated and covers 16 months. Every month features a calendar, a budget plan, and 4 pages expense tracker. At the end of the month, review your performance and consider how to improve. Additional sections include 4 savings, 6 debt trackers and more, making it simple to stay on top of your finances.
- 【EASY TO USE】The financial planner notebook cover is made by premium Faux Leather/ Fabric, High quality and durability. A5 size (5.7'' × 8'') is perfect for on-the-go. 100gsm paper has no bleed through. It also comes with an elastic pen loop and pocket. In addition, 2 bookmarks is useful to find any page you need easily.
- 【PERFECT GIFT】A Budget Planner makes for an incredibly thoughtful and practical gift, as it helps individual keep track of their finances, set savings goals, and manage their spending more effectively. Whether for a friend, family member, or colleague, this essential tool fosters financial literacy and encourages responsible budgeting habits.
Rank #4
- ALL-IN-ONE B5 BUDGET PLANNER: With 15+ Functional Inserts –it covers every money-management pain point for beginners & pros. Stop juggling messy notebooks or incomplete trackers! The budget planner includes, monthly budget, bill expense detail, debt tracker, bill tracker, saving tracker...matches 90% of "how to manage money" search queries
- DURABLE BUDGET BOOK: Our budget organizer features a PVC waterproof cover and elastic band—no more ruined pages, made of 100GSM thick paper—no smudges or ghosting, coming with a heavy-duty double spiral binding—lays flat for easy writing. Built for daily use: toss it in your work bag, backpack, or purse without worry
- CONVENIENT B5 SIZE (7.3”X10.15”): No more choosing between "too small to write" or "too bulky to carry"! The B5 budget planner gives ample space to log expenses, note bill due dates, or map financial goals—without being cumbersome. Fits easily in laptop bags, backpacks, or purses—perfect for "on-the-go budget tracking
- UNMATCHED VALUE & COMPREHENSIVE GUIDEBOOK: Comes with 5 practical, high-quality freebies crafted, plus a comprehensive user guide that takes the guesswork out of financial planning. You’ll get: PVC waterproof colorful monthly tabs & wide range of label stickers, a ribbon bookmark, an elastic pen holder, a elastic band, an inner pocket, and a detailed step-by-step user guide handbook
- VISUAL CLARITY & LESS FATIGUE: Unlike plain black-and-white budget planners, our vivid color highlights reduce eye strain during long budgeting sessions, helping you track expenses, savings, and bills quickly and accurately. It’s the perfect fit for working professionals, international students, family financial managers, freelancers, new graduates, retirees
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
