Introduction
As of July 30, 2025, mortgage rates are holding steady with just subtle movements, giving homebuyers and refinancers a bit of breathing room amid the usual market fluctuations. If you’re eyeing a new home or considering refinancing, now’s a great time to explore your options before rates shift again. The lowest rate we spotted today is a 5.25% FHA 15-Year Fixed loan at Ent Credit Union, offering an attractive path for buyers looking to build equity faster without breaking the bank on monthly payments. Meanwhile, jumbo loan seekers should note Zillow’s 30-year fixed jumbo rate ticked up slightly to 6.585%, reflecting broader economic nudges visible in the Federal Reserve data showing mild inflation rises. Here’s what you need to know before locking in a rate — small differences now could save you thousands down the road.
New Purchase - FHA 15 yrs Fixed
Lender
2025-07-30
(Current Day)
(Current Day)
2025-07-23
(7 Days Ago)
(7 Days Ago)
2025-07-15
(15 Days Ago)
(15 Days Ago)
2025-06-30
(30 Days Ago)
(30 Days Ago)
2025-06-15
(45 Days Ago)
(45 Days Ago)
2025-05-31
(60 Days Ago)
(60 Days Ago)
5.88%
5.88%
5.88%
5.88%
5.88%
6.00%
+12.5 bps
5.25%
5.25%
5.25%
5.13%
-12.5 bps
5.49%
5.49%
5.50%
+1 bps
5.63%
5.63%
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.88%
5.88%
6.13%
+25 bps
5.63%
-25 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-07-30
(Current Day)
(Current Day)
2025-07-23
(7 Days Ago)
(7 Days Ago)
2025-07-15
(15 Days Ago)
(15 Days Ago)
2025-06-30
(30 Days Ago)
(30 Days Ago)
2025-06-15
(45 Days Ago)
(45 Days Ago)
2025-05-31
(60 Days Ago)
(60 Days Ago)
6.00%
6.00%
6.13%
+12.5 bps
6.38%
+37.5 bps
6.63%
+62.5 bps
5.99%
5.99%
5.99%
5.75%
-24 bps
6.00%
+1 bps
6.13%
+13.5 bps
6.00%
6.00%
6.00%
5.88%
-12.5 bps
5.99%
5.88%
5.88%
5.99%
+11.5 bps
6.13%
6.13%
6.13%
6.00%
6.00%
6.00%
6.00%
6.00%
6.38%
6.38%
6.38%
6.38%
6.50%
+12.5 bps
6.38%
5.88%
5.88%
6.00%
6.00%
6.13%
+12.5 bps
5.99%
-1 bps
Chartway
As of July 30, 2025, 15-year FHA Purchase loans maintain a stable rate at 5.875%, unchanged over the past week and month, reflecting steady borrowing costs for buyers prioritizing shorter terms. Meanwhile, the 30-year FHA Purchase rate holds at 6.0%, unchanged from last week but down 37.5 basis points compared to 30 days ago, indicating improved affordability for long-term financing. These movements suggest consistent yield spreads on shorter FHA terms, while longer durations have experienced moderate easing in cost of borrowing recently. Members considering home purchases may find value in the stability of 15-year FHA rates if seeking predictable payments, whereas the downward trend in 30-year FHA rates could benefit those aiming for lower monthly obligations over time. Evaluating fixed-rate options aligned with your financial horizon remains prudent amid current market conditions.
Desert Financial
On July 30, 2025, the FHA 30 Year Fixed Purchase mortgage rate holds steady at 5.99%, unchanged from one week ago but up 24 basis points compared to 30 days prior. This moderate yield spread increase elevates the cost of borrowing for first-time buyers relying on government-backed loans. For members considering home purchases under the FHA program, current rates remain relatively stable yet reflect a gradual upward trend over the past month. Given this environment, members valuing payment predictability should consider fixed-rate options, while those assessing affordability impacts may want to evaluate refinancing opportunities if rates shift favorably. Staying informed on these incremental rate movements supports strategic mortgage planning aligned with individual financial goals.
Ent
As of July 30, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.25%, unchanged from last week but up 12.5 basis points versus 30 days ago. Similarly, the FHA 30-Year Fixed Purchase rate stands at 6.00%, stable over seven days with a 12.5 basis point increase month-over-month. These modest yield spread expansions indicate a slight rise in the cost of borrowing for FHA-backed purchases, impacting affordability particularly for first-time buyers relying on lower down payment options. Members should assess how these movements affect their long-term financing costs and consider locking fixed rates if seeking stability amid incremental upward pressure. Evaluating refinancing opportunities remains prudent to mitigate rising rates and optimize mortgage strategy in this evolving environment.
Goldenwest
On July 30, 2025, 15 Year Fixed FHA Mortgage rates for purchase loans remain steady at 5.49%, unchanged over the past week. Similarly, the 30 Year Fixed FHA Mortgage rate holds firm at 5.875%, with no change in yield spread since last week. These stable rates indicate consistent cost of borrowing for buyers utilizing government-backed FHA options.
For first-time homebuyers targeting shorter-term commitments, the 15-year FHA fixed rate at 5.49% offers a lower interest burden compared to longer terms, supporting faster equity accumulation. Meanwhile, buyers opting for the 30-year FHA fixed mortgage at 5.875% can maintain manageable monthly payments despite slightly higher yields.
Members should consider these current rates in light of their financial plans—those valuing payment predictability might prioritize fixed-rate FHA loans, while evaluating refinancing opportunities remains prudent to optimize long-term costs amid rate stability.
Hapo Community
As of July 30, 2025, the 30-Year FHA Purchase mortgage rate remains steady at 6.125%, showing no change over the past 7 days. This stability in yield spreads indicates a consistent cost of borrowing for members pursuing government-backed home loans. For first-time buyers relying on FHA programs, this rate consistency supports predictable budgeting without sudden increases in monthly payments. While refinancing data is unavailable today, members should continue to monitor market trends and consider fixed-rate options if long-term payment stability is a priority. Evaluating your mortgage strategy in light of stable rates can help optimize borrowing costs and align financial goals with current market conditions.
Newport News Shipbuilding Employees
On July 30, 2025, the 30-Year FHA Loan for purchase remains steady at a rate of 6.0% with 0.75 points, showing no change over the past week and no available data for longer periods. This stability in yield spreads maintains the current cost of borrowing for first-time buyers utilizing government-backed financing. With rates unchanged by 0 basis points in seven days, members can assess their mortgage options without concern for short-term rate volatility. For those prioritizing predictability, the fixed-rate FHA Purchase Loan continues to offer consistent terms. Evaluating your mortgage strategy based on this stable environment could help optimize long-term financial planning and refinancing decisions if market conditions shift.
Nuvision
As of July 30, 2025, the 30-Year FHA Purchase mortgage rate remains steady at 6.0%, showing no change over the past 7 days. This stability in yield spreads indicates a consistent cost of borrowing for first-time buyers relying on government-backed loans. For members considering home purchases under the FHA program, the unchanged rate provides predictable financing conditions without upward pressure on monthly payments. Veterans or those seeking other loan types should monitor market shifts, though today’s data focuses solely on FHA purchase rates. Given this rate environment, borrowers valuing long-term certainty may consider locking in fixed-rate options now, while those evaluating affordability should review their mortgage strategies to align with current pricing trends and avoid potential future volatility.
Schoolsfirst
On July 30, 2025, the FHA 30-Year Purchase mortgage rate remains steady at 6.375%, showing no change over the past 7 or 30 days. This stability in rates indicates consistent yield spreads and borrowing costs for members utilizing government-backed loans. For first-time homebuyers leveraging FHA programs, this means predictable monthly payments without recent fluctuations in interest expense. Given the unchanged rate environment, members considering new purchases can evaluate fixed-rate FHA loans for long-term budgeting certainty. Veterans and refinancing applicants are not represented today but should monitor future adjustments closely. Maintaining awareness of these stable rates supports data-driven mortgage strategies and helps members optimize financing decisions amid evolving market conditions.
Selco Community
On July 30, 2025, the 30 Year FHA Manufactured Home (no homes on rented land) purchase loan remains steady at a rate of 5.875% with 0.0 points, showing no change over the past week. This stable yield implies consistent borrowing costs for eligible members, particularly first-time buyers seeking government-backed financing for manufactured homes. The absence of rate movement over 7 days suggests limited volatility in this segment, allowing borrowers to plan with predictable payment expectations. Veterans and refinance applicants should note that this product does not apply to their needs today. Members prioritizing cost certainty may consider maintaining focus on fixed-rate products like this FHA option, while continuously evaluating market shifts to optimize their mortgage strategies based on long-term financial goals.
Washington State Employees
As of July 30, 2025, FHA 15-Year Fixed Rate Purchase loans hold the lowest rate at 5.875%, unchanged from last week but up 25 basis points over the past 30 days, indicating a moderate increase in borrowing costs for shorter-term FHA buyers. The FHA 30-Year Fixed Rate Purchase stands at 6.00%, stable over the past week with a minor rise of 1 basis point in the last 30 days, reflecting minimal yield spread fluctuations for longer-term financing.
For first-time homebuyers relying on FHA programs, these steady weekly rates suggest predictable payment structures, though rising monthly costs should be monitored. Veterans and those considering refinancing are advised to evaluate fixed-rate options if prioritizing payment stability amid recent upward trends. Given current market dynamics, members should carefully assess their mortgage strategy to optimize long-term cost efficiency and potential refinancing opportunities.
Zillow National Average
As the summer heat continues, mortgage rates are experiencing a slight cooling, presenting potential opportunities for savvy homebuyers and refinancers. Today, the 15-Year Fixed Rate Jumbo dipped by 0.02 basis points to 6.705%, while the 30-Year Fixed Rate Jumbo also saw a minor decline of 0.01%, now at 6.585%. This gradual shift could be a signal for first-time buyers looking to enter the market; even small reductions can translate into significant savings over time.
For long-term investors, understanding these fluctuations is crucial, as a mere 0.25% increase can add tens of thousands in interest on a 30-year mortgage. With recent trends suggesting stability, now might be the time to lock in favorable rates before any potential hikes emerge from Federal Reserve announcements.
For personalized guidance, consider speaking with a mortgage advisor to explore your best options—staying informed is key as we navigate this evolving landscape together!
Federal Reserve Economic Trends
As of July 30, 2025, mortgage rates are navigating a period of volatility, notably the Mortgage 30Yr Average Rates, which have plummeted by 6.89 points over the past 60 days. This significant drop could translate to substantial savings for homebuyers and refinancers alike. For instance, a reduction of just 0.5% on a $300,000 mortgage could mean around $50 less per month, adding up to thousands saved over the life of the loan.
Inflation trends are closely tied to these interest rates. The Breakeven Inflation Rate 5Yr has risen 0.17 points in the last month, signaling that inflation expectations are climbing, which could pressure mortgage rates upward in the future. Buyers should be especially vigilant; locking in a lower rate now may be wise before potential hikes.
For first-time buyers and long-term investors, staying informed about these shifts is crucial. Consult with a mortgage advisor to navigate this landscape effectively—timing your entry can make all the difference!
Stay alert for upcoming economic changes and Federal Reserve decisions that might impact rates further. As always, keeping an eye on both inflation and mortgage trends will empower you in making informed financial decisions.
LendMesh
Homeownership can feel complicated, but with the right support, it becomes an exciting adventure. At LendMesh, we’ve created a one-stop platform for comparing mortgage rates, learning about loan options, and connecting with banks and credit unions that value your future. Our resources are written by real advisors who care about your goals, making it easier to ask questions and get clear, honest answers. No matter where you are in your homebuying journey, you’re welcome to start at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make home financing smarter, safer, and more personal—every single day.
Conclusion
Looking ahead, it’s clear that even tiny shifts in mortgage rates can ripple through your wallet over time. For instance, a mere 0.1% increase on a 30-year fixed loan could add several hundred dollars to your monthly payment or thousands more in interest across the life of your mortgage. That’s why keeping an eye on reliable sources like Credit Unions and Zillow—and understanding economic signals from FRED—can empower you to make smarter moves. Whether you’re buying your first home, upgrading, or refinancing, consider locking in those competitive low rates like the 5.25% FHA 15-year at Ent before inflation trends nudge things higher again. And remember, choosing the right term and lender isn’t just about the number—it’s about what fits your budget and goals best. Stay informed, act thoughtfully, and turn today’s market insights into tomorrow’s financial peace of mind.