Mortgage Loans in Prescott Valley, AZ

Looking for the lowest mortgage rates in Prescott Valley, AZ? Compare offers from trusted local lenders who understand your neighborhood and provide transparent, no-surprise pricing. Finding the right loan can make your dream home more affordable and your buying process easier.

Take advantage of flexible terms and quick approvals tailored to Prescott Valley residents. Whether you’re buying your first home or refinancing, comparing mortgage options helps you find the best fit for your budget and goals—making your homeownership journey smooth and stress-free.

PurchaseRefinanceData Analysis

Filters

Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
cuwest
Conv
6.25 - 6.5 %
6.374 - 6.7 %
5 - 30 Yrs
∞
hughesfcu
Conv
6.375 - 6.875 %
6.375 - 6.875 %
15 - 30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Credit Union West offers a 15-year Conventional Fixed rate today at 5.75% and a 30-year Conventional Fixed rate at 6.5%. The 30-year Conventional ARM rate is 6.5%, up 13 bp from two weeks ago. FHA 30-year Fixed is slightly lower at 5.99%, down 1 bp from last week. VA 30-year Fixed is 6.0%, up 1 bp from last week. Jumbo 30-year Fixed stands at 6.5%, with a 51 bp increase over two weeks. The 5-year Adjustable rate is steady at 6.25%, and the 7-year Adjustable is 6.375%. Hughes offers a 15-year Conventional Fixed at 6.375% and a 30-year Conventional Fixed at 6.875%, both unchanged from last week. Their 30-year FHA Fixed is 6.25%, down 13 bp from last week and last month. The 30-year VA Fixed is 6.875%, up 13 bp from last week.

Market Indicators - Data & Insights:

Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.

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