25 Year Mortgage Rates Mortgage agency Freddie Mac says average 30-year mortgage rates hit 3.82% in June, the lowest level in nearly two years. This is one of the best times in history to refinance, but will rates stay low?2Nd Mortgage Finance Rates 10 Year Interest Rate Mortgage 10 Year Mortgage Rates Save Some Homeowners $120,000. Lee Nelson. Lenders do offer 10-year mortgages – refinance and purchase loans.. loan type. rate*. principal/. interest. total. interest. 30-year Fixed. 4.25%.