Introduction
August 5, 2025 — If you’ve been watching mortgage rates lately, today brings a breath of fresh air for homebuyers and veterans alike. After weeks of steady hikes, several Credit Unions are now offering some of the lowest VA loan rates in recent memory. For example, Ent Credit Union’s VA 15-Year Fixed at 5.125% stands out as one of the most attractive options available right now, down by 12.5 basis points from last week. Zillow’s jumbo loan rates also dipped, with the 30-Year Fixed Jumbo rate easing to 6.547% — a welcome change for buyers eyeing luxury homes or larger purchases. Meanwhile, inflation expectations measured by the Federal Reserve’s breakeven rates have softened slightly, suggesting some relief in borrowing costs ahead. Here’s what you need to know before locking in a rate: Whether you’re a first-time buyer considering a VA loan or a seasoned investor looking at jumbo mortgages, these small shifts could translate into meaningful savings on your monthly payment. Let’s dive into how these numbers might impact your next move.
New Purchase - VA 15 yrs Fixed
Lender
2025-08-05
(Current Day)
(Current Day)
2025-07-29
(7 Days Ago)
(7 Days Ago)
2025-07-21
(15 Days Ago)
(15 Days Ago)
2025-07-06
(30 Days Ago)
(30 Days Ago)
2025-06-21
(45 Days Ago)
(45 Days Ago)
2025-06-06
(60 Days Ago)
(60 Days Ago)
2025-05-07
(90 Days Ago)
(90 Days Ago)
Educators
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
Ent
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.25%
+12.5 bps
Goldenwest
6.00%
6.00%
6.00%
Hapo Community
5.38%
5.63%
+25 bps
Navy Federal Credit Union
5.13%
5.13%
5.25%
+12.5 bps
5.25%
+12.5 bps
5.38%
+25 bps
5.13%
Washington State Employees
5.88%
6.38%
+50 bps
6.38%
+50 bps
6.13%
+25 bps
Whatcom Educational
5.38%
5.38%
5.25%
-12.5 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-08-05
(Current Day)
(Current Day)
2025-07-29
(7 Days Ago)
(7 Days Ago)
2025-07-21
(15 Days Ago)
(15 Days Ago)
2025-07-06
(30 Days Ago)
(30 Days Ago)
2025-06-21
(45 Days Ago)
(45 Days Ago)
2025-06-06
(60 Days Ago)
(60 Days Ago)
2025-05-07
(90 Days Ago)
(90 Days Ago)
Educators
6.13%
6.25%
+12.5 bps
6.25%
+12.5 bps
Ent
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
6.00%
+12.5 bps
Fccu
5.99%
5.99%
Goldenwest
5.88%
5.88%
5.99%
+11.5 bps
Hapo Community
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
Nasa
5.88%
6.00%
+12.5 bps
6.13%
+25 bps
Navy Federal Credit Union
6.88%
6.88%
5.88%
-100 bps
5.88%
-100 bps
6.00%
-87.5 bps
5.63%
-125 bps
Newport News Shipbuilding Employees
5.99%
5.99%
5.99%
Nuvision
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
Washington State Employees
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
Whatcom Educational
6.25%
6.25%
6.25%
Educators
On August 5, 2025, 15-Year Fixed VA Purchase loans offer the most competitive rate at 5.625%, down 12.5 basis points from last week. Similarly, the 30-Year Fixed VA Purchase rate decreased by 12.5 basis points to 6.125% over the same period. These declines in yield spreads reduce the overall cost of borrowing for veterans considering home purchases.
For veterans prioritizing lower monthly payments and long-term stability, the 30-Year Fixed VA remains a viable option despite its higher rate compared to the 15-year term. Meanwhile, those aiming to minimize interest expense might benefit from the recently improved 15-Year Fixed VA rates.
Members should evaluate their mortgage strategies in light of these adjustments—particularly if refinancing or purchasing—to optimize financing costs amid favorable rate movements. Consider fixed-rate options if you value predictable payments over loan duration.
Ent
On August 5, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.125%, down 12.5 basis points from last week and month, reducing the cost of borrowing for veterans seeking shorter-term financing. Similarly, the VA 30-Year Fixed Purchase rate decreased by 12.5 basis points to 5.875%, improving yield spreads for those prioritizing long-term payment stability. These declines in VA loan rates suggest marginally lower monthly payments and total interest costs for eligible buyers. Veterans evaluating mortgage options should consider these current fixed-rate products to optimize their borrowing strategy amid favorable market movements. For members focused on predictability, locking in fixed rates now may mitigate future rate volatility and support informed refinancing or purchase decisions based on transparent cost analysis.
Fccu
On August 5, 2025, the 30-year VA purchase mortgage rate remains steady at 5.99%, showing no change over the past 7 days. This stability in yield spreads means borrowing costs for eligible veterans and service members have not fluctuated recently, maintaining predictable financing conditions. For first-time homebuyers and veterans utilizing the VA loan program, this consistent rate supports clear budget planning without unexpected cost increases. While refinance data is unavailable today, members should monitor market trends closely. Given the current environment, those valuing payment certainty might consider locking in a fixed-rate VA purchase mortgage. Evaluating your mortgage strategy with an emphasis on stable rates can help manage long-term expenses effectively.
Goldenwest
On August 5, 2025, VA Purchase Loans remain steady with the 30 Year Fixed at 5.875% and the 15 Year Fixed at 6.0%, both unchanged over the past week. The stability in these rates means borrowing costs for veterans seeking to purchase homes have not increased, maintaining consistent yield spreads. First-time and repeat veteran buyers can benefit from predictable financing expenses, particularly with the 30 Year Fixed VA loan offering the lowest rate at 5.875%. Given this rate environment, members prioritizing payment stability should consider fixed-rate options. Additionally, veterans evaluating their mortgage strategy may find current conditions conducive to locking in rates without immediate pressure from rising costs. Monitoring these stable rates can inform timely decisions on home purchases or refinancing to optimize long-term financial outcomes.
Hapo Community
On August 5, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.375%, down 25 basis points from last week, reducing the cost of borrowing for veterans seeking shorter-term financing. The VA 30-Year Fixed Purchase rate also decreased by 12.5 basis points to 6.0%, reflecting a modest improvement in yield spreads for long-term loan commitments. These declines improve affordability for veterans entering the housing market or considering new purchases, particularly benefiting those prioritizing stable monthly payments over extended terms. Members should evaluate fixed-rate options to lock in current yields and consider their long-term mortgage strategy accordingly. For borrowers sensitive to interest fluctuations, these data-driven insights support informed decisions on purchase timing and loan selection.
Nasa
On August 5, 2025, the 30-Year Fixed Rate VA Purchase mortgage stands at a competitive 5.875%, marking a 12.5 basis points decrease from last week’s 6.0%. This downward movement reduces the cost of borrowing for veterans and active-duty members seeking to purchase a home, improving affordability. While historical data beyond 15 days is unavailable, this yield spread contraction suggests favorable market conditions for fixed-rate VA loans. Members considering home purchases may benefit from locking in these lowered rates to secure predictable payments over three decades. Given current trends, it is prudent to evaluate refinancing options or consider fixed-rate VA loans if stability in monthly payments is a priority amid fluctuating yields.
Navy Federal Credit Union
As of August 5, 2025, VA 15 Year Purchase loans hold the lowest rate at 5.125%, unchanged from last week but down 12.5 basis points over the past 30 days, indicating a modest easing in borrowing costs for veterans seeking shorter-term financing. Conversely, the Military Choice 30 Year Purchase rate remains steady at 6.875%, reflecting no weekly change but a significant rise of 100 basis points compared to one month ago, suggesting increased yield spreads for longer-term VA loans.
For members prioritizing rate stability and lower total interest outlay, the VA 15 Year fixed option may offer cost advantages. Those considering longer amortization should carefully evaluate recent upward trends impacting total financing costs. Given these dynamics, members are advised to review their mortgage strategies and consider refinancing opportunities or fixed-rate products to manage long-term financial exposure effectively.
Newport News Shipbuilding Employees
As of August 05, 2025, the 30-Year VA Loan for purchase remains steady at a competitive rate of 5.99% with 0.5 points, unchanged from both last week and two weeks ago. This stability in yield spreads means borrowing costs for veterans and eligible borrowers are consistent, aiding in predictable financial planning. First-time buyers and veterans benefit from this fixed-rate certainty amid broader market fluctuations. While refinancing options are not reflected today, members should continuously assess their mortgage strategies to ensure alignment with long-term goals. Given the current static rate environment, it is prudent to consider fixed-rate options if you value payment stability and to regularly evaluate your mortgage position for potential cost savings as market conditions evolve.
Nuvision
On August 5, 2025, the 30-Year VA Purchase mortgage rate stands at 5.875% with 1.25 points, reflecting a 12.5 basis points decrease from last week’s 6.0%. This downward movement in yield spreads reduces the overall cost of borrowing for eligible veterans and first-time homebuyers utilizing VA loans. The decline supports improved affordability in new home purchases by lowering monthly payment obligations.
Veterans considering purchase financing may find this rate environment conducive to locking in long-term stability with fixed-rate terms. Given the recent trend, evaluating your mortgage strategy to capitalize on current rates could be prudent, especially if you prioritize predictable payments and reduced interest expenses over time. Members are advised to review their options carefully, particularly those planning significant home investments or refinancing in the near term.
Washington State Employees
As of August 05, 2025, VA Purchase Loans show notable rate shifts impacting borrowing costs for Washington state members. The 15-Year Fixed Rate VA loan currently offers the lowest rate at 5.875%, reflecting a significant 50 basis points decline over the past week and a 25 basis points decrease month-over-month, reducing yield spreads and lowering the cost of borrowing for veterans seeking shorter-term financing. Meanwhile, the 30-Year Fixed Rate VA loan stands at 6.0%, down by 12.5 basis points compared to last week and last month, offering longer-term stability with moderate savings in interest expenses.
Members prioritizing predictability might consider the fixed-rate options amid these downward trends. Veterans and first-time buyers should evaluate refinancing or purchase strategies aligned with these evolving rates to optimize long-term financial outcomes.
Whatcom Educational
On August 5, 2025, VA 15-Year Fixed Purchase loans maintain the lowest rate at 5.375%, unchanged over the past week, reflecting stable yield spreads and consistent borrowing costs for veterans seeking shorter-term financing. The VA 30-Year Fixed Purchase program holds steady at 6.25% with 0.375 points, showing no weekly change, indicating a stable cost environment for long-term VA loan borrowers. These flat movements suggest limited volatility in government-backed mortgage rates this week, allowing members to confidently assess their options. For veterans prioritizing lower monthly payments, the 30-year fixed remains a predictable choice, while those aiming to minimize total interest expense may find value in the 15-year fixed program. Given current stability, members should evaluate refinancing opportunities or consider fixed-rate products if seeking rate certainty amid market fluctuations.
Zillow National Average
As mortgage rates continue to ebb and flow, today presents a refreshing turn for potential homebuyers and refinancers alike. The 15-Year Fixed Rate Jumbo has experienced a notable dip of 0.05% from yesterday, making it an appealing option for those looking to secure lower monthly payments. This trend is echoed over the past week, with a sharp 0.37% drop in the same loan category, signaling a gradual cooling of rates that could benefit first-time buyers ready to make their move.
For buyers, every basis point matters; even a slight reduction can translate into significant savings over time. A small rate drop might ease monthly budgets or unlock larger loan amounts without stretching finances too thin. Now may be the perfect time to lock in these favorable rates before market conditions shift again. Investors should keep an eye on potential rental yields as they navigate this landscape.
With Zillow's reliable data guiding your decisions, don’t hesitate to consult with a mortgage advisor to explore tailored options that align with your goals. Stay informed—market dynamics are shifting fast!
Federal Reserve Economic Trends
Economic Update: Mortgage Rates Take a Sharp Dive, What It Means for You
Today’s economic landscape has seen notable fluctuations, particularly in the mortgage market. The Mortgage 30Yr Jumbo Average Rates experienced a dramatic drop of 6.87 points in just one day, marking it as the most significant change recently. This shift reflects broader trends where inflation expectations can dictate interest rates—higher inflation often leads to increased borrowing costs.
For example, a mere increase of 0.25% in your mortgage rate can add hundreds to your monthly payment over a 30-year loan. Given that jumbo rates have plummeted by 6.68 points over the past month, now may be an ideal time for homebuyers or investors to consider locking in lower rates.
As first-time buyers, long-term investors, or those looking to refinance, it’s crucial to keep an eye on these trends. With the reliability of FRED data backing these insights, consulting with a mortgage advisor could provide clarity and direction.
Stay vigilant for upcoming Fed decisions that could further influence rates, and remember: now might be the best moment to act on securing favorable terms!
LendMesh
Picture this: You’re ready to buy a home, but you’re not sure where to start. Maybe you’re worried about the rates, or confused by all the mortgage jargon out there. At LendMesh, we believe good guidance can change everything. That’s why we’ve built an online hub where real people—just like you—can find honest advice, real-time rate comparisons, and connections to local credit unions and banks that actually care. Whether you’re mapping out a long-term plan or looking for a quick pre-approval, we’ve got resources designed to make each step clearer. Take a moment today to visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your next chapter could start with a single click, and we’ll be here to guide you through it.
Conclusion
As you weigh your home financing options this week, remember that even minor shifts in interest rates can ripple through your budget more than you might expect. A drop of just a quarter percent on a 15- or 30-year fixed VA loan, like those offered by Educators and Ent Credit Unions, could shave hundreds off your monthly payment and thousands over the life of your mortgage. For homeowners thinking about refinancing, now might be a smart moment to act before rates shift again. Keep an eye on trusted sources like Credit Union offerings and Zillow’s market averages for real-time insights — they often reveal opportunities that big banks don’t highlight. And don’t overlook inflation trends; easing inflation pressure often signals better borrowing conditions ahead. In short, if you’re ready to buy or refinance, locking in one of these competitive VA or jumbo fixed rates today could set you up for long-term financial peace of mind. Treat it like finding a great deal at your favorite store — these moments don’t come around every day!