Introduction

July 15, 2025, brings fresh insights into mortgage rates that could make all the difference for your next home purchase or refinance. While some lenders hold steady, others are offering subtle shifts that savvy buyers and homeowners won’t want to miss. Whether you’re eyeing a VA loan or a jumbo fixed-rate mortgage, today’s landscape offers opportunities to lock in competitive terms before the market adjusts again. The lowest rate available right now is an encouraging 5.25% on the 15-year VA fixed-rate purchase loan from both Ent and Navy Federal Credit Union—a sweet spot for veterans and military families seeking stability and savings. Meanwhile, Zillow reports a slight dip in jumbo loan rates with the 30-year fixed jumbo at 6.63%, down nearly a tenth of a point this week, reflecting cooling pressure on larger mortgages. Even inflation expectations, as seen through FRED’s breakeven rates, remain steady, offering some calm amid broader economic uncertainty. Here’s what you need to know before locking in a rate—because every fraction of a percent can translate into hundreds saved monthly or thousands over the life of your loan.

New Purchase - VA 15 yrs Fixed

Lender
2025-07-15
(Current Day)
2025-07-08
(7 Days Ago)
2025-06-30
(15 Days Ago)
2025-06-15
(30 Days Ago)
2025-05-31
(45 Days Ago)
2025-05-16
(60 Days Ago)
Affinity Plus
5.88%
5.88%
5.88%
6.13%
+25 bps
6.25%
+37.5 bps
6.25%
+37.5 bps
Chartway
6.25%
6.25%
6.00%
-25 bps
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
Ent
5.25%
5.25%
5.13%
-12.5 bps
Goldenwest
6.00%
6.13%
+12.5 bps
Mountain America
5.38%
5.25%
-12.5 bps
5.50%
+12.5 bps
5.75%
+37.5 bps
5.50%
+12.5 bps
Navy Federal Credit Union
5.25%
5.25%
5.25%
5.25%
5.13%
-12.5 bps
5.13%
-12.5 bps
Washington State Employees
6.13%
6.13%
5.75%
-37.5 bps

New Purchase - VA 30 yrs Fixed

Lender
2025-07-15
(Current Day)
2025-07-08
(7 Days Ago)
2025-06-30
(15 Days Ago)
2025-06-15
(30 Days Ago)
2025-05-31
(45 Days Ago)
2025-05-16
(60 Days Ago)
Affinity Plus
6.88%
6.88%
6.88%
7.13%
+25 bps
7.13%
+25 bps
7.13%
+25 bps
Chartway
6.50%
6.50%
6.50%
6.25%
-25 bps
6.63%
+12.5 bps
6.63%
+12.5 bps
Ent
6.00%
6.00%
5.88%
-12.5 bps
Goldenwest
5.88%
5.99%
+11.5 bps
Hapo Community
6.13%
6.13%
Mountain America
5.88%
5.88%
5.99%
+11.5 bps
6.12%
+24.9 bps
6.00%
+12.5 bps
Nasa
6.00%
6.00%
Navy Federal Credit Union
5.88%
5.88%
5.88%
7.25%
+137.5 bps
5.75%
-12.5 bps
5.75%
-12.5 bps
Nuvision
6.00%
6.00%
Washington State Employees
6.13%
6.13%
6.13%

Affinity Plus

On July 15, 2025, 15-Year VA Fixed-Rate Purchase loans remain at a competitive 5.875%, holding steady over the past week with no change in yield spread. This reflects a 25 basis points decrease compared to 30 days ago, signaling a reduced cost of borrowing for veterans prioritizing shorter-term financing. Similarly, the 30-Year VA Fixed-Rate Purchase option holds firm at 6.875%, unchanged in the last seven days but also down by 25 basis points over the past month, benefiting those seeking longer amortization periods.
For veterans evaluating mortgage strategies, these stable rates suggest a favorable environment to consider fixed-rate options that balance predictability and affordability. Given recent trends, members should carefully assess their refinancing potential or purchasing timelines to optimize long-term financial outcomes.

Chartway

On July 15, 2025, VA Purchase loans remain stable with the 15-year fixed rate at 6.25%, holding steady over the past week and month, reflecting no change in yield spreads. The 30-year VA Purchase loan is priced at 6.50% with 0.125 points, unchanged week-over-week but up 25 basis points over 30 days, indicating a modest increase in borrowing costs for longer terms.
For veterans seeking shorter-term financing, the consistent 6.25% rate on the 15-year VA loan offers a cost-effective option with lower interest expense and quicker equity buildup. Meanwhile, potential buyers considering the 30-year VA loan should account for recent upward pressure on rates impacting monthly payments.
Members are encouraged to evaluate fixed-rate products for stability amid these subtle shifts and to review their mortgage strategies accordingly to manage long-term financial commitments efficiently.

Ent

On July 15, 2025, VA mortgage rates held steady with no change over the past week. The VA 15-Year Fixed Purchase rate remains at a competitive 5.25%, representing the lowest yield spread among today’s options. Meanwhile, the VA 30-Year Fixed Purchase rate is unchanged at 6.00%, maintaining consistent borrowing costs for longer-term commitments. These stable rates provide veterans and eligible borrowers predictable financing costs, supporting clear budget planning. Given this rate environment, members prioritizing payment stability might consider locking in fixed-rate VA loans now. Evaluating your mortgage strategy with current market data can help optimize long-term financial outcomes, especially if you are balancing short- versus long-term cost considerations or assessing refinancing opportunities to improve cash flow or reduce interest expense.

Goldenwest

On July 15, 2025, VA Purchase Loans show a favorable decline in borrowing costs. The 30 Year Fixed VA Purchase rate decreased by 11.5 basis points to 5.875%, while the 15 Year Fixed VA Purchase rate dropped by 12.5 basis points to 6.0% compared to one week ago. These reductions in yield spreads represent improved affordability for veterans seeking homeownership with long-term fixed payments.
The 30 Year Fixed VA Purchase at 5.875% remains the lowest rate available, offering stability for borrowers prioritizing predictable monthly costs. Veterans considering shorter loan terms can benefit from the slightly higher but still reduced 15 Year Fixed VA Purchase at 6.0%, which may accelerate equity building.
Members should evaluate their mortgage strategy in light of these recent declines, particularly if locking in fixed rates aligns with their financial goals or if refinancing could lower overall interest expenses given current market conditions.

Hapo Community

As of July 15, 2025, the 30-Year VA Purchase mortgage rate remains steady at 6.125%, showing no change over the past week. This stability in yield spreads means borrowing costs for veterans and eligible buyers have held firm, providing predictable financing conditions. For first-time buyers utilizing VA benefits, this consistent rate supports accurate budgeting without concern for immediate rate volatility. Given the unchanged rate, members should consider fixed-rate options if they prioritize payment certainty. Veterans evaluating home purchases or refinancing can use this data to assess timing and lock-in strategies effectively, ensuring alignment with long-term financial goals amid a stable interest environment.

Nasa

As of July 15, 2025, the 30-Year Fixed Rate VA Purchase Loan remains steady at 6.00%, showing no change over the past week. This stability in yield spreads indicates consistent borrowing costs for veterans seeking home purchases under this government-backed program. For first-time buyers and veteran borrowers, maintaining the current rate environment means predictable monthly payments without unexpected increases in financing expenses. Given this unchanged rate landscape, members should assess their long-term housing plans carefully. Those prioritizing payment stability may find this an opportune moment to proceed with fixed-rate financing. Additionally, evaluating refinancing options remains prudent when rates shift to reduce overall interest burdens or shorten loan terms efficiently.

Navy Federal Credit Union

As of July 15, 2025, VA Purchase loans show stable rate trends. The 15-Year VA fixed-rate mortgage holds steady at 5.25%, unchanged over the past week and month, maintaining its position as the lowest available rate option with minimal cost impact for borrowers valuing shorter terms and predictable payments. Conversely, the 30-Year VA fixed-rate mortgage remains at 5.875%, also unchanged weekly but down sharply by 137.5 basis points compared to 30 days ago, reflecting a significant reduction in long-term borrowing costs for veterans seeking extended amortization. These stable yields suggest favorable conditions for members evaluating purchase options or locking in rates now. Members should consider fixed-rate loans for payment certainty or assess refinancing opportunities if holding older, higher-rate mortgages to optimize financing expenses amid current market stability.

Nuvision

On July 15, 2025, the 30-Year VA Purchase mortgage rate remains steady at a competitive 6.0% with 1.0 point, showing no change over the past week and stable compared to one month ago. This stability in yield spreads indicates consistent borrowing costs for veterans and eligible buyers seeking government-backed financing. For first-time VA borrowers, maintaining this rate supports predictable long-term payment planning without increased cost pressure. With rates unchanged, members should evaluate their mortgage strategies considering fixed-rate options for payment certainty or explore refinancing only if long-term savings outweigh closing costs. Continuous monitoring of market movements will ensure informed decisions aligned with financial goals in a fluctuating interest rate environment.

Washington State Employees

On July 15, 2025, VA Purchase Loans maintain stable yields with the 30-Year Fixed Rate at 6.125%, unchanged over the past week, reflecting no basis point movement and steady borrowing costs for eligible veterans. The 15-Year Fixed Rate VA Purchase Loan, also at 6.125%, shows no change from last week but marks a 37.5 basis point increase compared to 15 days prior, indicating a moderate rise in yield spreads that may impact shorter-term financing decisions. For veterans prioritizing predictability, the unchanged rates support consistent budgeting on long-term mortgages. Given these dynamics, members should consider fixed-rate options if valuing rate stability and evaluate refinancing opportunities carefully to manage cost of borrowing amid recent short-term rate adjustments.

Zillow National Average

As summer unfolds, mortgage rates have taken a breather, with 15-Year Fixed Rate Jumbo loans experiencing a notable 0.10% drop over the past week. Today, the rate stands at 6.689%, unchanged from yesterday but up slightly from a month ago. For first-time buyers, even small shifts can feel monumental; a decrease today could mean lower monthly payments and overall interest costs—potentially saving tens of thousands over the life of a loan.
Conversely, long-term investors should keep an eye on rental yields rather than just current rates, as market conditions remain fluid. With the Fed hinting at future rate hikes, now might be the time to lock in favorable terms before any upward trends return.
Don’t miss out on today’s potential savings! Speak with a mortgage advisor to explore your best options and stay informed about this evolving landscape for informed decision-making.

Federal Reserve Economic Trends

In an unexpected twist, the Mortgage 30-Year Jumbo Average Rates plummeted by 6.96 points today, marking a significant shift in the lending landscape. This drop comes amid fluctuating inflation expectations, which have recently hit a breakeven inflation rate of 0.000 for both 10-year and 5-year periods. As inflation drives interest rates, even small changes can profoundly impact your mortgage costs—like how a mere 0.25% rise in rates could add hundreds to your monthly payment on a $300,000 loan.
For buyers and refinancers, today’s movement in jumbo rates presents an opportunity. If you’re considering purchasing a home or refinancing, now might be the time to act before potential increases occur. Locking in current rates could save you thousands over the life of your loan.
Stay informed about economic shifts that affect these rates; consult with a mortgage advisor to navigate this dynamic market effectively. With ongoing changes, your timing could make all the difference! Keep an eye on future Fed decisions that may influence rates further.

LendMesh

Over the years, we’ve heard from countless homebuyers who wish they’d started with better information. That’s what inspired the team at LendMesh to build a smarter, friendlier mortgage platform. Instead of searching through dozens of bank websites, you can now compare offers from respected credit unions and banks in one trusted place. We’re here to cut through the noise, offering real guidance, educational tools, and answers to the questions you might not even know to ask yet. If you’re curious about the next steps or just want to see today’s rates, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your peace of mind comes first.

Conclusion

Looking ahead, it pays to stay attentive to these subtle shifts in mortgage rates—they’re more than just numbers on paper; they shape your financial future. If you’re considering buying or refinancing, remember that even small changes like the recent 11- to 12-basis-point drop on select 15- and 30-year VA loans at Goldenwest Credit Union can noticeably reduce monthly payments and total interest costs over time. For homeowners balancing budget priorities with long-term goals, locking in one of today’s lowest VA purchase rates at 5.25% could offer peace of mind and predictability in an unpredictable market. And if you’re navigating jumbo loans or conventional purchases, watch for Zillow’s downward trends—they may open doors to better affordability soon. Ultimately, whether you're chasing your dream home or aiming to refinance for less stress on your wallet, keep these key figures close: steady inflation signals stable borrowing costs ahead, but moving swiftly when favorable rates appear is wise. Think of this as planting seeds today for financial security tomorrow—a small decision now could yield big rewards down the road.