Introduction
July 15, 2025, brings a calm but encouraging snapshot for homebuyers and investors eyeing the mortgage market. While many have felt the pressure of fluctuating rates this year, today’s data from Credit Unions, Zillow, and the Federal Reserve offers a breath of fresh air. If you’ve been waiting for a sign to take action, here it is: the lowest rate available right now is a 5.25% 15-year VA fixed-rate loan through Ent and Navy Federal Credit Union—a strong option for veterans and active service members looking to build equity faster without paying extra points. Meanwhile, jumbo loan rates on Zillow dipped slightly over the past week, signaling subtle easing in higher-end financing. The Federal Reserve’s breakeven inflation rates ticked up just a bit, reminding us that inflation expectations remain steady but manageable. Here’s what you need to know before locking in a rate: small movements can impact your monthly payment by dozens of dollars, so staying informed is your best tool to save thousands over time.
New Purchase - VA 15 yrs Fixed
Lender
2025-07-15
(Current Day)
(Current Day)
2025-07-08
(7 Days Ago)
(7 Days Ago)
2025-06-30
(15 Days Ago)
(15 Days Ago)
2025-06-15
(30 Days Ago)
(30 Days Ago)
2025-05-31
(45 Days Ago)
(45 Days Ago)
2025-05-16
(60 Days Ago)
(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
6.00%
6.25%
+25 bps
6.00%
6.25%
+25 bps
6.38%
+37.5 bps
6.38%
+37.5 bps
Ent
5.25%
5.25%
5.13%
-12.5 bps
Goldenwest
6.00%
6.13%
+12.5 bps
Mountain America
5.50%
5.25%
-25 bps
5.50%
5.75%
+25 bps
5.50%
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)
(Current Day)
2025-07-08
(7 Days Ago)
(7 Days Ago)
2025-06-30
(15 Days Ago)
(15 Days Ago)
2025-06-15
(30 Days Ago)
(30 Days Ago)
2025-05-31
(45 Days Ago)
(45 Days Ago)
2025-05-16
(60 Days Ago)
(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
6.00%
5.99%
-1 bps
Hapo Community
6.13%
6.13%
Mountain America
5.99%
5.88%
-11.5 bps
5.99%
6.12%
+13.4 bps
6.00%
+1 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%
Pentagon
5.75%
Washington State Employees
6.13%
6.13%
6.13%
Affinity Plus
On July 15, 2025, the 15-Year VA Fixed-Rate Purchase mortgage holds the lowest rate at 5.875%, unchanged over the past week but down by 25 basis points (bps) compared to 30 days ago. Similarly, the 30-Year VA Fixed-Rate Purchase remains steady at 6.875%, also with no weekly change and a 25 bps decline month-over-month. These stable yield spreads suggest consistent borrowing costs for veterans seeking to purchase homes, with reduced long-term rates enhancing affordability compared to last month. For members prioritizing rate predictability, the fixed-rate VA options continue to offer transparent cost structures without point premiums. Veterans and first-time buyers should evaluate these rates in the context of their financial plans, considering fixed-rate products for stability or refinancing opportunities to leverage recent declines in borrowing costs.
Chartway
On July 15, 2025, the 15-year VA Purchase mortgage rate decreased by 25 basis points, moving from 6.25% a week ago to a current 6.0%, marking the lowest rate among today’s offerings. This reduction lowers the cost of borrowing for veterans seeking shorter-term financing, potentially enhancing affordability and accelerating equity buildup. Conversely, the 30-year VA Purchase rate remains steady at 6.5%, unchanged over seven days but up by 25 basis points compared to 30 days prior, indicating increased yield spreads affecting longer-term borrowing costs.
For members prioritizing payment stability and lower rates, especially first-time homebuyers or veterans, the reduced 15-year fixed rate presents a compelling option. Meanwhile, those considering longer amortizations should monitor potential volatility in 30-year rates. Evaluate your mortgage strategy based on term preferences and refinancing goals to optimize long-term financial outcomes.
Ent
As of July 15, 2025, VA 15-Year Fixed Purchase loans remain at a stable 5.25%, unchanged over the past week, maintaining the lowest yield among VA products. Meanwhile, the VA 30-Year Fixed Purchase rate holds steady at 6.00%, with no movement in the last seven days. These flat yield spreads indicate consistent borrowing costs for veterans seeking long-term financing options. For first-time buyers or those prioritizing predictable payments, the unchanged rates suggest evaluating fixed-rate mortgages to lock in current terms amid low volatility. Veterans considering refinancing should monitor market shifts but may find limited immediate benefit given the rate stability. Careful analysis of term length and cost implications remains essential to align mortgage strategies with financial goals.
Goldenwest
On July 15, 2025, the 30 Year Fixed VA Purchase rate edged up by 1 basis point to 6.00%, reflecting a marginal increase in borrowing costs for veterans pursuing long-term financing. Conversely, the 15 Year Fixed VA Purchase rate decreased by 12.5 basis points to 6.125%, offering a relatively lower yield spread for those prioritizing accelerated repayment and reduced interest expense.
For veterans evaluating mortgage options, the slight uptick in the 30-year fixed rate may influence cost projections over time, while the notable decline in the 15-year fixed rate could enhance affordability for shorter-term commitments. Members should consider these dynamics carefully: those valuing payment stability might lean toward the fixed 30-year VA product despite minimal increases, whereas others aiming to minimize total interest outlay may find the improved 15-year fixed VA terms advantageous.
Given these developments, veterans are advised to review their financing strategies with attention to term length and current yield spreads to optimize long-term financial outcomes.
Hapo Community
On July 15, 2025, the 30-Year VA Purchase mortgage rate remains steady at 6.125%, showing no change from one week ago. This stability indicates that the cost of borrowing for veterans seeking to purchase homes has held firm, with no recent upward pressure on yield spreads in this segment. For veteran homebuyers, maintaining this rate means predictable financing costs amid broader market fluctuations.
Given this unchanged rate environment, members should consider fixed-rate options if they prioritize payment stability. Veterans evaluating home purchase strategies can rely on current rates without concern for immediate increases but should monitor trends to optimize timing. This steadiness also suggests limited benefit from refinancing at present, though ongoing evaluation remains prudent for long-term financial planning.
Nasa
On July 15, 2025, the 30-Year Fixed Rate VA Purchase mortgage remains steady at 6.0%, showing no change over the past week. This stability in yield spreads means borrowing costs for veterans remain consistent, providing predictable financing conditions. For first-time buyers and veterans leveraging VA benefits, this fixed rate ensures long-term payment certainty without increased premium risk. While refinancing options are unchanged, members should continue to evaluate their mortgage strategies in light of stable rates. Given the current market, those prioritizing payment stability may find fixed-rate loans appropriate, while monitoring for any shifts that could impact future cost of borrowing. Maintaining awareness of these trends supports informed, data-driven decisions regarding home financing and refinancing opportunities.
Navy Federal Credit Union
As of July 15, 2025, VA Purchase loans demonstrate distinct rate trends impacting borrowing costs for members. The 15-year VA fixed-rate purchase loan remains steady at 5.25%, with no change over the past week or month, representing the lowest available rate and an attractive option for veterans seeking predictable payments and shorter amortization.
Conversely, the 30-year VA purchase loan holds at 5.875%, unchanged from last week but down significantly by 137.5 basis points compared to 30 days ago, reflecting improved yield spreads and reduced long-term borrowing costs for veterans targeting extended terms.
Members should consider these stable and declining rates when evaluating their mortgage strategies. For those prioritizing payment stability, the 15-year fixed VA loan at 5.25% offers consistent cost predictability, while the recent decline in the 30-year VA rate may warrant reassessment of refinancing opportunities to optimize long-term financial planning.
Nuvision
On July 15, 2025, the 30-Year VA Purchase mortgage rate remains steady at 6.00% with 1.0 point, showing no change over the past week and consistent borrowing costs for eligible veterans. The stable yield spread indicates no immediate impact on loan affordability or monthly payments for first-time buyers and active-duty service members. This constancy suggests a predictable cost environment, facilitating clear budgeting for those prioritizing long-term financing. Members considering VA loans should evaluate fixed-rate options to maintain payment stability amid broader market fluctuations. For those weighing home purchase timing, current rates support methodical decision-making without pressure from rising interest expenses. Staying informed on rate movements enables strategic mortgage planning tailored to individual financial goals.
Washington State Employees
On July 15, 2025, VA Purchase Loans maintain stable yields, with the 30-Year Fixed Rate at 6.125% and no change over the past week, reflecting steady borrowing costs for veterans seeking long-term financing. The 15-Year Fixed Rate VA loan remains at 6.125%, unchanged from last week but up by 37.5 basis points compared to 15 days ago, indicating a recent rise in yield spreads for shorter terms. This stability in the 30-year product supports predictable payment structures ideal for first-time homebuyers prioritizing budget certainty, while the slight uptick in the 15-year rate may influence borrowers weighing faster amortization against increased cost of borrowing. Members should consider fixed-rate options if they value payment stability and evaluate mortgage strategies carefully to optimize financing costs amid these yield trends.
Zillow National Average
As mortgage rates continue to sway like leaves in the summer breeze, today’s numbers show a mix of subtle shifts. The 15-Year Fixed Rate Jumbo saw a slight uptick of 0.03% from yesterday, while the 30-Year Fixed Rate Jumbo dipped by 0.01%. For first-time buyers, these minor fluctuations can still translate into significant savings over time—just a quarter-point difference could add tens of thousands to a long-term mortgage. Meanwhile, investors might find this is an opportune moment to lock in rates before potential hikes loom on the horizon.
If you're considering refinancing or purchasing your first home, now may be the time to act and secure favorable terms while they last. Zillow’s real-time data reinforces this advice; it’s crucial to stay informed as the market evolves. Don’t miss out on today’s potential savings—speak with a mortgage advisor to explore your best options!
Federal Reserve Economic Trends
Economic Update: Mortgage Rates Take a Significant Dive Amid Shifting Inflation Expectations
In an unexpected twist, today's data reveals a substantial drop in Mortgage 30Yr Jumbo Average Rates, plummeting by 6.96 points—the largest 1-day change seen recently. Such shifts are not merely numbers; they reflect the underlying economic currents shaped by inflation expectations. As the Breakeven Inflation Rates for both 5 and 10 years show slight increases, buyers must understand how these trends could influence future mortgage costs.
For instance, even a modest increase in rates can translate to hundreds more in monthly payments over a 30-year loan. With current 30-Year FHA Rates at approximately 6.53%, first-time homebuyers should closely monitor these developments and consider locking in rates now.
As inflation remains a pivotal player, we advise all potential homebuyers, investors, and refinancers to consult with a mortgage advisor soon. Staying informed will be crucial as future Fed decisions could further impact rates.
Remember, timing is everything! Don’t miss the opportunity to take advantage of favorable conditions before they change again.
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
As we look ahead, remember that even minor shifts in mortgage rates can ripple through your budget in meaningful ways. Whether you’re buying your first home or refinancing an existing loan, locking in a competitive rate like the 5.25% 15-year VA fixed loan could shave years off your payoff timeline while saving on interest—a win-win for your financial future. For those considering jumbo loans, the slight dip Zillow reported suggests that patience might pay off if you’re not in a rush. Keep an eye on inflation trends too; they often foreshadow rate changes that affect borrowing costs. Above all, lean on trusted sources like local credit unions—they often offer personalized support and competitive rates that bigger lenders can’t match. Your home is more than an investment; it’s where life happens. Taking smart steps now ensures your mortgage supports your dreams instead of holding them back. Stay proactive, stay curious, and don’t hesitate to reach out for guidance tailored just for you.