Introduction

June 25, 2025, brings a fresh wave of mortgage insights that could spark your next smart move in the housing market. Whether you’re eyeing your first home, scouting investment properties, or thinking about refinancing, today’s data has something for everyone. Credit Unions are showing some intriguing shifts: Chartway’s 15-year FHA purchase rate nudged up slightly to 6.0%, while Mountain America offers a standout 5.25% on their 15-year FHA loan—the lowest among our credit union picks. Zillow’s jumbo loan rates tell an interesting story too, with the 30-year fixed jumbo rate dipping just a bit to 6.661%, offering some breathing room for buyers needing larger loans. Meanwhile, the Federal Reserve’s inflation indicators hint at easing pressures, subtly influencing borrowing costs. Here’s what you need to know before locking in a rate today — because even small changes can reshape your monthly budget and long-term savings.

New Purchase - FHA 15 yrs Fixed

Lender
2025-06-25
(Current Day)
2025-06-18
(7 Days Ago)
2025-06-10
(15 Days Ago)
2025-05-26
(30 Days Ago)
2025-05-11
(45 Days Ago)
American Heritage
6.00%
Broadview
5.75%
Chartway
6.00%
5.88%
-12.5 bps
6.00%
6.00%
6.00%
Mountain America
5.25%
5.38%
+12.5 bps
5.50%
+25 bps
5.50%
+25 bps
5.25%
Schoolsfirst
5.75%
5.75%
5.75%
5.75%
Washington State Employees
5.88%

New Purchase - FHA 30 yrs Fixed

Lender
2025-06-25
(Current Day)
2025-06-18
(7 Days Ago)
2025-06-10
(15 Days Ago)
2025-05-26
(30 Days Ago)
2025-05-11
(45 Days Ago)
American Heritage
6.12%
Broadview
6.25%
Chartway
6.50%
6.13%
-37.5 bps
6.63%
+12.5 bps
6.50%
Desert Financial
5.99%
6.13%
+13.5 bps
6.00%
+1 bps
6.13%
+13.5 bps
5.99%
Mountain America
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
5.75%
-12.5 bps
Nasa Federal Credit Union
6.25%
6.25%
6.38%
+12.5 bps
6.50%
+25 bps
6.25%
Nuvisionfederal
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.25%
+25 bps
6.00%
Schoolsfirst
6.50%
6.50%
6.50%
6.38%
-12.5 bps
6.38%
-12.5 bps
State Employees Cu Of Maryland Inc
6.25%
Washington State Employees
6.13%

Chartway

On June 25, 2025, the 15-year FHA Purchase mortgage rate increased by 12.5 basis points to 6.00% compared to one week ago, while remaining steady over the past 30 days. This rise in yield spreads marginally elevates the cost of borrowing for buyers utilizing government-backed FHA financing, notably impacting first-time homebuyers who often rely on these lower down payment options. Given this moderate uptick, borrowers may want to assess the trade-offs between shorter-term fixed-rate stability and potential cost increases. Members considering home purchases should evaluate locking in current rates promptly if seeking predictability, while those refinancing might analyze whether timing adjustments could reduce long-term expenses. Staying informed about these nuanced rate shifts supports strategic mortgage planning aligned with individual financial goals.

Desert Financial

On June 25, 2025, the FHA 30 Year Fixed Purchase mortgage rate stands at a competitive 5.99%, reflecting a decline of 13.5 basis points over both the past week and month. This reduction in yield spreads lowers the overall cost of borrowing for first-time buyers relying on government-backed loans. The downward trend may improve affordability for members considering home purchases under FHA programs, while also offering an opportunity to reassess financing strategies amid fluctuating rates. Members prioritizing payment stability should consider locking in fixed-rate options at these relatively low levels. Evaluating current mortgage plans against this data can inform decisions on purchase timing or potential refinancing to optimize long-term financial outcomes.

Mountain America

On June 25, 2025, 15-Year FHA Purchase loans offer the lowest rate at 5.25%, down 12.5 basis points from last week and 25 basis points below rates 30 days prior, reflecting reduced borrowing costs for buyers prioritizing shorter-term fixed payments. Conversely, the 30-Year FHA Purchase loan remains steady at 5.875%, unchanged over the past week but down 12.5 basis points from a month ago, maintaining consistent yield spreads for long-term financing.
These movements suggest favorable conditions for first-time homebuyers seeking to lock in stable rates, particularly with the shorter-term FHA option. Members should assess their financial horizon: consider fixed-rate options like the 15-year product if payment predictability is crucial or evaluate longer terms for manageable monthly outlays. Given recent declines in some yields, it is prudent to review current mortgage strategies in light of evolving cost structures and refinancing potential.

Nasa Federal Credit Union

As of June 25, 2025, the 30-Year Fixed FHA Purchase mortgage rate remains steady at 6.25%, unchanged from one week ago but down by 25 basis points compared to 30 days prior. This stabilization in rates reflects consistent yield spreads, offering predictable borrowing costs for first-time homebuyers relying on government-backed loans. While refinancing activity may see limited immediate benefit due to the unchanged weekly rate, those considering purchase financing can evaluate this fixed-rate option for cost certainty over the loan term. Members prioritizing stability should consider fixed-rate FHA products to mitigate interest rate volatility risk. Monitoring these trends supports informed decisions on mortgage timing and structure amid evolving market conditions.

Nuvisionfederal

On June 25, 2025, the 30-Year FHA Purchase mortgage rate stands at a competitive 6.0%, reflecting a decrease of 12.5 basis points from one week ago and a notable 25 basis points decline over the past month. This downward adjustment in yield spreads reduces the overall cost of borrowing for first-time buyers and those utilizing government-backed loans. Lower rates may improve affordability and monthly payment structures, particularly benefiting borrowers seeking stable financing with predictable payments over three decades. Members considering home purchases should evaluate fixed-rate FHA options to capitalize on current market conditions, while carefully assessing long-term financial plans. Staying informed on these movements enables more strategic decisions regarding mortgage commitments and potential refinancing opportunities.

Schoolsfirst

As of June 25, 2025, the 30-Year FHA Purchase mortgage rate remains steady at 6.5%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This slight increase indicates a modest rise in the cost of borrowing for first-time buyers relying on government-backed FHA loans. The stable weekly yield spread offers predictability for buyers prioritizing long-term fixed rates, while the monthly uptick suggests evaluating purchase timing and affordability carefully. Members should consider fixed-rate options if they value payment stability amid minor market shifts. For those exploring refinancing, monitoring such incremental changes can help optimize loan terms and reduce overall interest expenses. Data-driven mortgage strategies remain essential in navigating evolving rate environments effectively.

Zillow National Average

As we dive into today’s mortgage landscape, there's a noticeable shift reminiscent of summer storms brewing on the horizon. The 15-Year Fixed Rate Jumbo has seen a sharp rise of 0.38% in just one day, now sitting at 6.935%, while the 30-Year Fixed Rate Jumbo remains relatively stable at 6.661%. This mixed climate suggests that while some borrowers might feel the pressure of increasing rates, others—especially those eyeing longer terms—may find some respite.
For first-time buyers, even slight increases can impact monthly payments significantly, translating to thousands over the life of a loan. Conversely, investors may want to focus on how these changes affect potential rental yields or long-term appreciation. Given the current trajectory, locking in a rate now could be wise, especially with whispers of future rate hikes from the Fed looming in the distance.
With Zillow's real-time data guiding us, it's essential to stay informed and agile. Speak with a mortgage advisor today to explore your best options and don’t miss out on potential savings as market conditions evolve!

Federal Reserve Economic Trends

As of June 25, 2025, mortgage rates are experiencing notable fluctuations, with the 30-Year Average Rates dropping by a striking 6.81 points over the past week. This significant decrease can be attributed to shifting inflation expectations, as indicated by the Breakeven Inflation Rates, which remain relatively stable. When inflation expectations decline, it often leads to lower interest rates, making mortgages more affordable for homebuyers and refinancers alike.
For example, a modest rate reduction can save a homeowner hundreds in monthly payments. Imagine securing a $300,000 mortgage—just a half-point drop in interest could equate to nearly $100 less per month!
First-time buyers should act swiftly; with current 30-Year FHA Rates at 6.519%, now may be an opportune moment to lock in favorable terms. For long-term investors and those considering refinancing, it's crucial to keep an eye on these trends and consult a mortgage advisor regularly.
Stay alert for potential Federal Reserve actions that could sway these rates further—timing is everything in today’s market. Remember, monitoring both inflation and mortgage rates is essential for making informed financial decisions!

LendMesh

At LendMesh, we believe everyone deserves a mortgage experience that’s transparent, supportive, and tailored to their needs. That’s why we’ve built a platform that does more than just list rates—it empowers you with financial knowledge, trusted lender connections, and honest answers. Whether you’re comparing credit unions or banks, planning your next move, or just starting to think about homeownership, our tools and resources are designed with you in mind. Don’t let uncertainty hold you back—visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans to discover how easy, informative, and rewarding the mortgage process can be.

Conclusion

As you weigh your options this week, remember that every fraction of a percent counts—especially with rates hovering in the mid-5s to low 6s for popular FHA and jumbo loans. The slight movements we’re seeing, like Mountain America’s solid 5.25% on the 15-year FHA and Zillow’s modest dip in jumbo rates, signal opportunities to secure favorable terms if you act thoughtfully. For buyers and refinancers alike, locking in sooner rather than later could protect you from unexpected hikes that quickly add hundreds to monthly payments or thousands over the life of a loan. Keep an eye on those subtle shifts in inflation trends reported by FRED—they often set the tone for what’s next on mortgage pricing. Ultimately, stay informed but also stay grounded: choose a loan program that fits your financial goals comfortably today and tomorrow. With these insights in hand, you’re better equipped to make confident moves toward homeownership or smarter refinancing choices ahead.