Introduction

On June 17, 2025, the mortgage landscape is showing subtle shifts that could make a meaningful difference for your homebuying or refinancing plans. Whether you’re eyeing a cozy starter home or planning to upgrade, today’s rates from credit unions and Zillow reveal some attractive options worth your attention. Notably, Mountain America Credit Union’s 15-year VA fixed-rate loan stands out at a low 5.5%, offering stability with no points—ideal if you’re looking to build equity faster without extra upfront costs. Meanwhile, Zillow’s jumbo loan rates have dipped slightly, with the 30-year fixed jumbo rate easing to 6.636%, a welcome sign for buyers aiming for higher-priced homes. Inflation expectations remain steady around 2.3%, according to the latest Federal Reserve data, suggesting that rates might hold their ground for now. Here’s what you need to know before locking in a rate—small differences can translate into hundreds of dollars saved each month, so knowing where to find the best deal matters more than ever.

New Purchase - VA 15 yrs Fixed

Lender
2025-06-17
(Current Day)
2025-06-10
(7 Days Ago)
2025-06-02
(15 Days Ago)
2025-05-18
(30 Days Ago)
Affinity Plus Federal Credit Union
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.25%
+12.5 bps
Civic Federal Credit Union
6.00%
6.00%
6.00%
6.00%
Mountain America Credit Union
5.50%
5.50%
5.75%
+25 bps
5.75%
+25 bps
Navy Federal Credit Union
5.25%
5.38%
+12.5 bps
5.13%
-12.5 bps

New Purchase - VA 30 yrs Fixed

Lender
2025-06-17
(Current Day)
2025-06-10
(7 Days Ago)
2025-06-02
(15 Days Ago)
2025-05-18
(30 Days Ago)
Affinity Plus Federal Credit Union
7.13%
7.25%
+12.5 bps
7.25%
+12.5 bps
7.13%
Civic Federal Credit Union
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.25%
+12.5 bps
Langley Federal Credit Union
6.50%
6.38%
-12.5 bps
Mountain America Credit Union
6.12%
6.12%
6.00%
-12.4 bps
6.13%
+0.1 bps
Navy Federal Credit Union
7.13%
6.00%
-112.5 bps
5.75%
-137.5 bps
Nuvisionfederal
6.13%
6.13%
6.13%
6.13%

Affinity Plus Federal Credit Union

On June 17, 2025, 15-Year VA Fixed-Rate Conventional Purchase loans offer the lowest rate at 6.125%, down by 12.5 basis points from last week and the past 30 days, reducing the cost of borrowing for veterans seeking shorter-term financing. The 30-Year VA Fixed-Rate Conventional Purchase program stands at 7.125%, also decreasing by 12.5 basis points over the past week but unchanged over 30 days, maintaining stable yield spreads for long-term borrowers. These shifts reflect modest easing in VA loan rates, potentially improving affordability for veterans purchasing homes. Members should assess whether locking in current fixed rates aligns with their financial goals or consider refinancing opportunities to optimize long-term mortgage expenses amid evolving rate conditions.

Civic Federal Credit Union

On June 17, 2025, VA 15 Year Fixed - Conforming loans maintain a stable rate of 6.00%, with no change over the past week or month, offering predictable cost of borrowing for veterans seeking shorter-term financing. Conversely, the VA 30 Year Fixed - Conforming rate decreased by 12.5 basis points to 6.125%, reducing yield spreads and potentially lowering monthly payments for long-term purchasers. This decline in the 30-year fixed rate may benefit first-time buyers aiming for extended affordability while preserving loan stability. Members should consider locking in current rates where predictability is paramount or evaluate refinancing opportunities to capitalize on recent declines in longer-term VA mortgage costs. A data-driven review of loan terms aligned with individual financial goals remains essential to optimize mortgage strategies amid evolving market conditions.

Mountain America Credit Union

On June 17, 2025, 15-year VA Purchase loans maintain the lowest rate at 5.5%, unchanged over the past week but down 25 basis points from 30 days ago, signaling a modest improvement in borrowing costs for veterans seeking shorter-term financing. Meanwhile, the 30-year VA Purchase rate holds steady at 6.124%, with negligible weekly change and a slight decrease of approximately 1 basis point compared to 30 days prior. These stable yield spreads suggest consistent market conditions for VA borrowers. Members considering home purchases or refinancing should evaluate fixed-rate options like the 15-year VA loan for cost efficiency and rate stability, particularly if prioritizing lower long-term interest expenses amid current moderate rate volatility.

Navy Federal Credit Union

As of June 17, 2025, the 15-Year VA Purchase loan offers the lowest rate at 5.25% with 0.5 points, reflecting a 12.5 basis point decrease over the past week but a 12.5 basis point increase versus 30 days ago. This decline in yield spreads may benefit veterans and first-time buyers seeking shorter-term fixed financing by lowering immediate borrowing costs.
Conversely, the 30-Year VA Purchase loan stands at 7.125% with 0.5 points, marking a significant rise of 112.5 basis points week-over-week and an increase of 137.5 basis points over 30 days, indicating heightened long-term cost pressures for borrowers targeting extended terms.
Members should consider their financial horizon: those prioritizing payment stability might evaluate the fixed-rate 15-year option, while those with longer-term plans should reassess refinancing strategies to mitigate escalating rates on longer-term VA loans. Data-driven mortgage planning remains essential amid fluctuating yield spreads and market volatility.

Nuvisionfederal

As of June 17, 2025, the 30-Year VA Purchase mortgage rate remains steady at 6.125%, with no change over the past week or month. This stability in yield spreads indicates a consistent cost of borrowing for veterans seeking to purchase homes using VA benefits. For first-time buyers and returning veterans, the unchanged rate provides predictability in long-term financing costs, supporting clearer budgeting decisions. Given the lack of fluctuation, members may find value in evaluating fixed-rate options if they prioritize payment stability amid broader market uncertainties. Maintaining awareness of stable government-backed rates can inform strategic mortgage planning and refinancing considerations to optimize long-term financial outcomes.

Zillow National Average

As mortgage rates continue to fluctuate, today's landscape reveals a sharp decline in the 15-Year Fixed Rate Jumbo, dropping by 0.32% from just yesterday. This trend underscores a gradual cooling in the market that could be advantageous for first-time buyers and those considering refinancing. Currently, 15-Year Fixed rates stand at 6.302%, while 30-Year Fixed options are at 6.636%, reflecting subtle but significant changes over the past month.
For new buyers, even a small dip can translate into substantial savings over the life of a loan—potentially tens of thousands in interest on a 30-year mortgage. Investors might focus on how these shifts affect rental yields and property values. With the Fed hinting at future rate hikes, now may be the time to act and lock in favorable rates before they rise again.
To navigate this evolving terrain effectively, speak with a mortgage advisor to explore your best options. Stay informed as conditions develop; your dream home might be closer than you think!

Federal Reserve Economic Trends

As of today, June 17, 2025, mortgage rates are experiencing notable fluctuations, particularly with the Mortgage 30-Year Jumbo Average Rates, which have plummeted by 6.96 points in just one day. This dramatic shift underscores how closely tied inflation expectations are to borrowing costs. The Breakeven Inflation Rate for the next 10 years remains stable at 2.300, suggesting that inflation is anticipated to stay in check, which could lead to more favorable lending conditions.
For homebuyers and investors alike, understanding these trends is crucial. Even a small increase in mortgage rates can significantly affect monthly payments—an uptick of just 0.25% on a $300,000 loan can add over $40 to monthly payments! Therefore, if you’re considering refinancing or purchasing a new home, now may be an opportune time to lock in lower rates.
First-time buyers should monitor these changes closely and consult with a mortgage advisor for tailored advice on navigating this dynamic landscape. Staying alert for further economic shifts and potential Fed actions will be key in making informed decisions about when to act.
In summary, as we move forward, keep an eye on inflation trends and mortgage rates—these indicators will shape your financial future. Don’t hesitate; now is the time to explore your options!

LendMesh

At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.

Conclusion

As you consider your next move in the housing market, remember that even minor rate changes—like the quarter-point drop on some credit union VA loans—can shave significant amounts off your monthly payment and total interest over time. It pays to shop around and compare offers like Navy Federal’s competitive 15-year VA loan at 5.25% if you don’t mind a half-point upfront fee, versus no-point options like Mountain America’s 15-year VA fixed at 5.5%. Keep an eye on inflation trends too; steady readings suggest rates won’t spike unexpectedly in the short term, giving you breathing room to plan confidently. Whether you’re buying your first home or refinancing an existing loan, moving quickly but thoughtfully can lock in savings that add up over years—not just months. So take advantage of today’s favorable windows by reviewing your options closely and leaning on trusted lenders who understand your financial goals. After all, securing the right mortgage isn’t just about numbers—it’s about turning your dreams into a place you truly call home.