Introduction

July is here, and with it comes fresh shifts in the mortgage world that could shape your next move. Whether you’re buying your first home, upgrading, or eyeing an investment property, understanding today’s rates can feel like decoding a secret language. But here’s the good news: the latest data from top Credit Unions, Zillow, and the Federal Reserve offers some encouraging signs. For instance, if you’re considering a VA loan, Ent Credit Union’s 15-year VA fixed rate at 5.125% stands out as one of the lowest rates available right now—down a quarter point from last week. Meanwhile, Zillow reports the 30-year jumbo fixed rate holding steady around 6.58%, reflecting subtle market confidence. Inflation expectations remain stable too, with the Fed’s 10-year breakeven inflation rate steady at 2.29%. So, before you lock in your rate or start house hunting in earnest, here’s what you need to know to make smart choices that fit your financial future.

New Purchase - VA 15 yrs Fixed

Lender
2025-07-01
(Current Day)
2025-06-24
(7 Days Ago)
2025-06-16
(15 Days Ago)
2025-06-01
(30 Days Ago)
2025-05-17
(45 Days Ago)
Affinity Plus
5.88%
6.13%
+25 bps
6.13%
+25 bps
6.25%
+37.5 bps
6.25%
+37.5 bps
Chartway
6.00%
6.25%
+25 bps
6.13%
+12.5 bps
6.38%
+37.5 bps
6.38%
+37.5 bps
Ent
5.13%
5.38%
+25 bps
Mountain America
5.25%
5.50%
+25 bps
5.50%
+25 bps
5.75%
+50 bps
5.75%
+50 bps
Navy Federal Credit Union
5.25%
5.25%
5.25%
5.13%
-12.5 bps
5.13%
-12.5 bps
Washington State Employees
5.75%
5.75%

New Purchase - VA 30 yrs Fixed

Lender
2025-07-01
(Current Day)
2025-06-24
(7 Days Ago)
2025-06-16
(15 Days Ago)
2025-06-01
(30 Days Ago)
2025-05-17
(45 Days Ago)
Affinity Plus
6.88%
7.13%
+25 bps
7.13%
+25 bps
7.13%
+25 bps
7.13%
+25 bps
Boeing Employees
6.25%
6.27%
+2.5 bps
0.00%
-624.6 bps
0.00%
-624.6 bps
0.00%
-624.6 bps
Chartway
6.50%
6.63%
+12.5 bps
6.75%
+25 bps
6.63%
+12.5 bps
6.63%
+12.5 bps
Ent
5.88%
6.13%
+25 bps
Mountain America
5.88%
5.99%
+11.5 bps
6.12%
+24.9 bps
6.12%
+24.9 bps
6.13%
+25 bps
Nasa Federal Credit Union
5.88%
6.00%
+12.5 bps
6.13%
+25 bps
6.25%
+37.5 bps
6.13%
+25 bps
Navy Federal Credit Union
5.88%
5.88%
5.88%
5.75%
-12.5 bps
5.75%
-12.5 bps
Nuvisionfederal
6.00%
6.00%
6.13%
+12.5 bps
6.25%
+25 bps
6.13%
+12.5 bps
Onpoint Community
6.25%
6.38%
+12.5 bps
Texas Dow Employees
6.25%
6.75%
+50 bps
Washington State Employees
6.13%
6.13%

Affinity Plus

On July 1, 2025, 15-Year VA Fixed-Rate loans for purchases offer the lowest yield at 5.875%, down 25 basis points from last week and 37.5 basis points over the past month. The 30-Year VA Fixed-Rate purchase loan stands at 6.875%, reflecting a similar weekly decrease of 25 basis points and a monthly decline of 25 basis points. These downward shifts in yield spreads reduce the overall cost of borrowing for veterans and first-time homebuyers utilizing VA benefits. Borrowers prioritizing payment stability may find fixed-rate terms increasingly attractive amid this easing rate environment. Members are encouraged to evaluate refinancing strategies or consider locking in current rates to optimize long-term financing costs given recent market trends.

Boeing Employees

As of July 1, 2025, the 30-Year Fixed VA Purchase Loan offers a rate of 6.246%, marking a modest decline of 2.5 basis points compared to one week ago. Over the past month, rates have increased by approximately 624.6 basis points, reflecting significant longer-term upward pressure on borrowing costs for veterans and eligible buyers. This slight weekly decrease may provide minimal relief for those seeking stability in fixed-rate financing, though overall cost remains elevated relative to recent months. First-time homebuyers and veterans should carefully assess current market conditions; consider fixed-rate options if you value predictable payments amid yield fluctuations. Additionally, evaluate your mortgage strategy thoroughly to determine whether refinancing could lower long-term expenses in light of evolving rate trends.

Chartway

On July 1, 2025, VA purchase loans show a downward trend in borrowing costs. The 15-year VA fixed-rate mortgage stands at a competitive 6.0%, decreasing by 25 basis points over the past week and 37.5 basis points compared to 30 days ago—now the lowest rate available. Similarly, the 30-year VA purchase loan is at 6.5%, down by 12.5 basis points week-over-week and month-over-month, reflecting tightening yield spreads.
These rate reductions can significantly impact veterans and first-time buyers seeking long-term affordability, lowering monthly payments and overall interest expense. Members should consider locking in current rates, especially if they prioritize payment stability with fixed terms.
Given this data, evaluating your mortgage strategy—including potential refinancing or purchase timing—can optimize cost savings amid favorable rate movements.

Ent

On July 1, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.125%, down 25 basis points from last week, reflecting a notable reduction in the cost of borrowing for veterans seeking shorter-term stability. Similarly, the VA 30-Year Fixed Purchase loan stands at 5.875%, also decreasing by 25 basis points over seven days, improving yield spreads for those prioritizing longer-term financing. These rate declines enhance affordability for veteran homebuyers but require careful evaluation of term length versus monthly payment impact. Members should consider fixed-rate options to lock in current yields and assess refinancing strategies to optimize long-term financial outcomes amid shifting mortgage market conditions.

Mountain America

On July 1, 2025, 15-Year VA Purchase Loans offer the lowest rate at 5.25%, down 25 basis points from last week and 50 basis points compared to 30 days ago, signaling a favorable shift in borrowing costs for veterans seeking shorter-term financing. The 30-Year VA Purchase Loan stands at 5.875%, decreasing by approximately 12 basis points over the past week and nearly 25 basis points month-over-month, reflecting a modest easing in yield spreads for longer terms. These declines reduce the cost of borrowing, benefiting veterans entering the market or evaluating purchase options. Members prioritizing payment stability may consider fixed-rate VA loans to mitigate future rate volatility. Given recent trends, veterans should evaluate their mortgage strategy carefully, including refinancing possibilities, to optimize long-term financial outcomes amid evolving rate dynamics.

Nasa Federal Credit Union

On July 1, 2025, the 30-Year Fixed Rate VA Purchase mortgage stands at a competitive 5.875%, reflecting a 12.5 basis point decrease compared to last week and a 37.5 basis point decline over the past 30 days. This reduction in yield spreads lowers the overall cost of borrowing for veterans seeking home purchases, improving affordability in today’s market. First-time buyers and military families may find this rate environment favorable for locking in stable financing. Given these trends, members should evaluate fixed-rate options if stability is a priority or consider refinancing strategies to capitalize on declining rates and reduce long-term interest expenses. Monitoring these shifts can support more informed mortgage decisions aligned with financial goals.

Navy Federal Credit Union

As of July 1, 2025, VA Purchase Mortgage Rates remain steady over the past week, with the 15-Year VA fixed rate at 5.25% and the 30-Year VA fixed rate at 5.875%. Compared to 30 days ago, both terms have increased by 12.5 basis points, reflecting a modest rise in borrowing costs for veterans seeking to purchase homes. The unchanged weekly yield spread suggests short-term market stability, yet the month-over-month uptick warrants attention for those planning long-term financing. For veterans prioritizing predictable payments, the 15-Year VA fixed loan at 5.25% offers the lowest current rate and may be advantageous despite slightly higher monthly payments. Members should evaluate their mortgage strategy carefully—consider fixed-rate options for budget certainty or assess refinancing possibilities to optimize overall cost amid evolving rates.

Nuvisionfederal

As of July 1, 2025, the 30-Year VA Purchase mortgage rate remains steady at 6.0%, unchanged over the past week. Compared to 30 days ago, this represents a 25 basis points decrease, reflecting a modest easing in borrowing costs for veterans and eligible buyers. This yield spread contraction may enhance affordability for first-time veterans entering the housing market. Stability in VA rates supports predictable long-term planning, especially for those prioritizing fixed-rate security in their home financing strategy. Members considering home purchases or refinancing with VA loans should evaluate fixed-rate options to lock in current yields and potentially reduce long-term expenses amid fluctuating market conditions. Staying informed on these rate movements enables more data-driven mortgage decisions aligned with individual financial goals.

Onpoint Community

On July 1, 2025, the 30-year VA Purchase mortgage rate stands at a competitive 6.25%, marking a 12.5 basis points decrease compared to last week’s 6.375%. This reduction lowers the overall cost of borrowing for eligible veterans and first-time homebuyers utilizing VA benefits, potentially improving affordability on new home purchases. With no available data beyond seven days, longer-term trends remain unclear. Members considering VA loans should evaluate this recent downward shift in yield spreads when assessing financing strategies. Given current market conditions, fixed-rate VA mortgages continue to offer predictable payment structures, which may benefit those prioritizing stability amid fluctuating rates. Careful analysis of refinancing versus purchase options is advised to optimize long-term financial outcomes.

Texas Dow Employees

On July 1, 2025, the VA 30-Year Fixed Purchase mortgage rate stands at a competitive 6.25%, reflecting a notable decrease of 50 basis points compared to one week ago. This reduction in yield spreads lowers the cost of borrowing for veterans and eligible homebuyers, potentially improving affordability for first-time buyers within this segment. Given the absence of other loan types today, this fixed-rate product offers a stable financing option amid recent market fluctuations. Members considering long-term homeownership or refinancing should evaluate fixed-rate alternatives like this to mitigate interest rate volatility. Monitoring such rate movements is essential for informed mortgage strategy development and cost-effective borrowing decisions in the current environment.

Washington State Employees

On July 1, 2025, mortgage rates for VA Purchase Loans in Washington State remain steady. The 15-Year Fixed VA Loan holds at a competitive 5.75%, unchanged from one week ago, representing the lowest rate available today. Similarly, the 30-Year Fixed VA Loan is stable at 6.125%, with no change over the past seven days. This stability in yield spreads means borrowing costs have not increased recently for veterans seeking to purchase homes.
For veterans prioritizing lower monthly payments and long-term planning, the 15-Year Fixed VA Loan at 5.75% offers reduced interest expenses and faster equity buildup compared to the 30-year option. Given these rates have remained flat over the last week, members may consider locking in fixed-rate loans to mitigate future rate volatility. Evaluating your mortgage strategy with current fixed-rate options can support informed decisions on home financing or refinancing plans.

Zillow National Average

As the summer sun heats up, so too do mortgage rates, with today’s update revealing a sharp rise in the 15-Year Fixed Rate Jumbo loan to 6.955%, up by 0.27% in just one day. This trend is particularly noteworthy for first-time buyers and refinancers who may feel the pinch from these increasing costs. Over the past week, this loan type has seen a total climb of 0.40%, making it crucial for potential homeowners to act quickly.
Even small changes can have substantial impacts—consider that a mere 0.25% increase could add thousands to your total interest over a 30-year mortgage, affecting affordability and monthly payments significantly. For those looking to buy, now might be the moment to lock in rates before they rise further; however, investors may prefer to wait for potential dips.
With market conditions shifting daily and the Fed hinting at future rate hikes, don’t miss out on today’s potential savings. Speak with a mortgage advisor today to explore your best options and stay informed as these trends evolve!

Federal Reserve Economic Trends

As of July 1, 2025, the mortgage landscape has seen significant fluctuations, particularly with Mortgage 30-Year Jumbo Average Rates plummeting by 6.79 points in just one day. This rapid decline underscores how sensitive mortgage rates are to shifts in inflation expectations, which can influence borrowing costs for prospective homeowners and investors alike.
Today’s breakeven inflation rates remain steady at around 2.29% for 10-year bonds, suggesting that inflationary pressures are stabilizing. However, even a small uptick in interest rates can drastically impact monthly payments. For instance, a mere 0.25% rise in a 30-year mortgage rate could add hundreds to your total interest over the life of the loan.
For first-time buyers or those considering refinancing, monitoring these trends is crucial. With current mortgage rates averaging around 6.89%, it may be wise to consult a mortgage advisor about locking in favorable terms before potential hikes occur.
Stay alert to economic updates and Federal Reserve decisions that might further influence rates—timing your mortgage application could save you thousands down the road! Act now and secure your financial future!

LendMesh

Imagine waking up in your dream home, knowing you made a smart financial decision to get there. At LendMesh, that’s the kind of experience we want every homebuyer to have. We’ve built partnerships with credit unions and respected banks across the country, so you can compare rates and programs all in one place—without the usual confusion or fine print. Whether you’re taking your first steps into homeownership or considering a refinance, our resources are designed to answer your questions and help you feel confident at every turn. Ready to start your journey? Explore today’s top mortgage rates, find helpful tips, and see how much you could save by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story deserves a strong beginning, and we’re here to help you write it.

Conclusion

As we look ahead, remember that even small dips—like the quarter-point drop on several VA loans—can shave hundreds off your monthly payments or save thousands over the life of your mortgage. If you’re on the fence about refinancing or buying now versus later, keep an eye on these steady but slightly easing rates across trusted credit unions and jumbo products. Patience pays off when you know where to look, and tapping into reliable sources like Ent or Mountain America for VA loans might unlock better terms than you expect. Ultimately, your best strategy is to balance timing with personal readiness—because a mortgage isn’t just numbers; it’s the foundation of your home and peace of mind. Stay informed, move confidently, and lean on these insights to turn complex market shifts into clear opportunities for your next chapter.