Introduction
As of June 24, 2025, the mortgage landscape offers a mix of steady footing and subtle shifts that savvy homebuyers and homeowners will want to keep an eye on. While some Credit Unions like Navy Federal hold firm with a 5.25% rate on their 15-year VA fixed loans, others such as Mountain America have nudged their purchase rates up by about 12 basis points this week. Meanwhile, Zillow’s national jumbo loan averages show a welcome dip, with the 30-year fixed jumbo rate falling to 6.51%, down nearly a quarter-point from last week. Even inflation signals from the Federal Reserve hint at slight easing, with 10-year breakeven rates inching down to 2.3%. What does all this mean for you? Whether you’re locking in your first home or considering a refinance, small changes in rates can lead to big savings—or costs—over time. Here’s what you need to know before locking in a rate today.
New Purchase - VA 15 yrs Fixed
Lender
2025-06-24
(Current Day)
(Current Day)
2025-06-17
(7 Days Ago)
(7 Days Ago)
2025-06-09
(15 Days Ago)
(15 Days Ago)
2025-05-25
(30 Days Ago)
(30 Days Ago)
2025-05-10
(45 Days Ago)
(45 Days Ago)
Affinity Plus
6.13%
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
6.00%
-12.5 bps
Chartway
6.25%
6.13%
-12.5 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
6.13%
-12.5 bps
Connexus Credit Union
6.13%
Ent
5.38%
Mountain America
5.63%
5.50%
-12.5 bps
5.75%
+12.5 bps
5.75%
+12.5 bps
5.25%
-37.5 bps
Navy Federal Credit Union
5.25%
5.25%
5.38%
+12.5 bps
5.13%
-12.5 bps
5.13%
-12.5 bps
Washington State Employees
6.38%
New Purchase - VA 30 yrs Fixed
Lender
2025-06-24
(Current Day)
(Current Day)
2025-06-17
(7 Days Ago)
(7 Days Ago)
2025-06-09
(15 Days Ago)
(15 Days Ago)
2025-05-25
(30 Days Ago)
(30 Days Ago)
2025-05-10
(45 Days Ago)
(45 Days Ago)
Affinity Plus
7.13%
7.13%
7.25%
+12.5 bps
7.13%
7.00%
-12.5 bps
Boeing Employees
6.27%
0.00%
-627.1 bps
0.00%
-627.1 bps
0.00%
-627.1 bps
0.00%
-627.1 bps
Chartway
6.63%
6.38%
-25 bps
6.75%
+12.5 bps
6.63%
6.25%
-37.5 bps
Connexus Credit Union
7.50%
Ent
6.13%
Mountain America
6.12%
6.00%
-12.4 bps
6.12%
6.12%
5.99%
-13.4 bps
Nasa Federal Credit Union
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.25%
+25 bps
6.00%
Navy Federal Credit Union
5.88%
5.88%
6.00%
+12.5 bps
5.75%
-12.5 bps
5.63%
-25 bps
Nuvisionfederal
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.25%
+25 bps
6.00%
Onpoint Community
6.38%
Washington State Employees
6.13%
Affinity Plus
On June 24, 2025, 15-Year VA Fixed-Rate Purchase loans remain at a competitive 6.125%, unchanged over the past week but down 12.5 basis points from 30 days ago, indicating a modest reduction in borrowing costs for veterans prioritizing shorter-term financing. Meanwhile, the 30-Year VA Fixed-Rate Purchase option holds steady at 7.125%, with no change over the last 7 or 30 days, maintaining consistent yield spreads for long-term planning.
For members evaluating purchase options, the lower rate on the 15-Year VA Fixed can reduce interest expense significantly over time, beneficial for those seeking faster equity buildup. The stability in the 30-Year VA Fixed supports predictable monthly payments despite recent market volatility.
Members should consider fixed-rate VA products if valuing payment stability and long-term cost certainty. Monitoring these rates will be critical for veterans assessing optimal mortgage strategies amid evolving market conditions.
Boeing Employees
On June 24, 2025, the VA 30 Year Fixed Purchase mortgage rate remains at 6.271%, reflecting no change over the past 7 days but an increase of +6.271 percentage points compared to 60 days ago. This elevated yield spread signals a higher cost of borrowing for veterans seeking to purchase homes under this government-backed program. For veteran buyers, stable rates over the last week may provide a window for locking in financing, though the substantial rise since two months ago suggests increased market volatility and tighter lending conditions. Members prioritizing payment predictability should consider fixed-rate options like this VA loan, while those evaluating refinancing should assess whether current rates align with long-term financial goals. Careful analysis of your mortgage strategy remains essential amid these rate dynamics.
Chartway
On June 24, 2025, VA Purchase loans show nuanced rate shifts impacting borrowing costs. The 15-year VA fixed-rate mortgage stands at a competitive 6.25% with a modest increase of +12.5 basis points (bps) over the past week but a slight decline of -12.5 bps compared to 30 days ago, benefiting borrowers seeking shorter terms and predictable payments. Meanwhile, the 30-year VA fixed-rate mortgage registers at 6.625%, marking a more pronounced weekly rise of +25 bps while remaining stable month-over-month. This steadiness affects veterans prioritizing long-term financing by maintaining current yield spreads. Members should assess their tolerance for rate fluctuations; those valuing payment stability might consider locking in the lowest 15-year VA rate at 6.25%, while others could evaluate refinancing strategies given recent volatility in longer terms.
Mountain America
On June 24, 2025, 15-Year VA Purchase loans carry the lowest rate at 5.625%, marking a 12.5 basis point increase from last week but a slight 12.5 basis point decrease compared to 30 days ago. Meanwhile, the 30-Year VA Purchase loan rate stands at 6.124%, up by 12.4 basis points over seven days and unchanged from 30 days prior. These rising yields indicate a modest uptick in borrowing costs for veterans seeking to purchase homes. First-time and seasoned buyers should assess whether locking in a fixed-rate VA mortgage aligns with their long-term financial goals amid recent yield spreads. Evaluating refinancing options remains prudent for those with existing VA loans, particularly if stability or cost reduction is a priority given current market movements.
Nasa Federal Credit Union
On June 24, 2025, the 30-Year Fixed VA Purchase mortgage rate stands at a competitive 6.0%, marking a decrease of 12.5 basis points compared to last week and 25 basis points lower than rates recorded 30 days ago. This downward movement in yield spreads reduces the cost of borrowing for veterans and eligible buyers, potentially enhancing affordability for first-time homebuyers leveraging VA benefits. The rate decline signals improved financing conditions in the government-backed segment, encouraging careful evaluation of purchase timing or refinancing strategies. Members valuing payment stability may consider locking in this lowest available VA fixed rate to mitigate future interest rate volatility. Analyzing current market trends against personal financial goals remains essential for optimizing mortgage decisions amid shifting rate environments.
Navy Federal Credit Union
On June 24, 2025, VA Purchase loans at Navy Federal Credit Union show stable yields for both 15-year and 30-year terms. The 15-year VA fixed rate remains at 5.25% with a minimal increase of +12.5 basis points over the past 30 days, maintaining the lowest rate available. Similarly, the 30-year VA fixed rate holds steady at 5.875%, reflecting a +12.5 basis point rise over 30 days but no change week-over-week.
These modest upward shifts in rates imply slightly higher borrowing costs for veterans pursuing home purchases, especially over longer terms. First-time buyers might find value in locking fixed rates now to avoid further yield spread expansions. Given current trends, members should evaluate fixed-rate options if stability is preferred and monitor market movements to time refinancing or purchasing decisions effectively.
Nuvisionfederal
On June 24, 2025, the 30-Year VA Purchase mortgage rate stands at a competitive 6.0% with 1.25 points, reflecting a 12.5 basis points decrease over the past week and a 25 basis points decline in the last 30 days. This downward trend reduces the cost of borrowing for veterans considering home purchases, potentially lowering monthly payments and overall interest expenses. First-time buyers utilizing VA benefits may find improved affordability due to these favorable yield spreads. Members should analyze their financing goals carefully; those valuing payment predictability might consider locking in this fixed-rate option, while others could evaluate refinancing alternatives to capitalize on recent rate declines and optimize long-term savings.
Zillow National Average
As summer unfolds, mortgage rates are experiencing a refreshing dip, reminiscent of a cool breeze on a hot day. Today, the 15-Year Fixed Rate Jumbo has decreased by 0.15%, marking the most significant change in just one day. Over the past week, this loan program has seen a noteworthy drop of 0.23%, offering potential savings for first-time buyers and those looking to refinance. Even small reductions can translate into substantial long-term savings; for instance, a mere quarter-point decrease can save borrowers thousands over the life of a mortgage.
If you’re considering buying your first home or refinancing, now might be an ideal moment to lock in these favorable rates—don’t miss out on today’s potential savings! Investors may also want to act strategically, weighing rental yields against current rates. With the Fed hinting at possible future rate hikes, staying informed is crucial. Speak with a mortgage advisor today to explore your best options and take advantage of this shifting landscape before it changes again!
Federal Reserve Economic Trends
As we navigate the shifting tides of the U.S. economy, today's data reveals a significant drop in Mortgage 30Yr Jumbo Average Rates, which plummeted by 6.87 points overnight. This rapid decline signals potential opportunities for homebuyers and investors alike. As inflation expectations remain stable, hovering around 2.30% for the 10-year breakeven rate, interest rates are reacting accordingly, creating a delicate balance that impacts mortgage costs.
For example, even a modest increase in rates can translate to hundreds of dollars more in monthly payments on a 30-year loan—making it crucial for buyers to stay vigilant. The recent trends show that rates across various mortgage types have been volatile, especially the Jumbo loans, which have seen the largest declines over the past month.
With such fluctuations, first-time buyers should consider locking in their rates now while they’re lower; seasoned investors might want to reassess their portfolios. As always, consult with a mortgage advisor to tailor your strategy to current market conditions.
Stay alert for upcoming Federal Reserve decisions that could shift these dynamics further! Now is the time to seize opportunities before they slip away—consult with your financial advisor today and explore your options!
LendMesh
Buying a home is a big milestone, but it doesn’t have to be a stressful one. At LendMesh, our mission is to simplify the mortgage process by connecting you with lenders who put your interests first. We work closely with both national banks and local credit unions to bring you the latest mortgage rates and personalized loan options, all backed by clear, actionable financial advice. Our user-friendly platform makes it easy to compare your choices, calculate payments, and learn the ins and outs of home loans. Begin your journey to homeownership with peace of mind—explore our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make every step easier.
Conclusion
Looking ahead, it’s clear that every basis point matters. Even a modest increase of just 12 or 13 basis points—as seen recently in some VA loan offerings—can add up to hundreds of extra dollars per month on your mortgage payment. For buyers ready to take the plunge, securing one of the lowest available rates like Navy Federal’s 15-year VA at 5.25% could be a game-changer for long-term affordability and peace of mind. If you’re holding off, keep an eye on those national trends showing jumbo rates easing slightly; they might signal more favorable conditions soon. And if refinancing is on your radar, consider how these subtle shifts align with your financial goals—sometimes acting quickly pays off more than waiting for perfect timing. Remember, the best approach blends market awareness with personal readiness so you can confidently turn today’s mortgage news into tomorrow’s homeownership success.