Introduction
August 13, 2025 — If you’ve been keeping a close eye on mortgage rates lately, today brings a bit of good news worth celebrating. Whether you’re buying your first home or thinking about refinancing, the market is showing some encouraging signs. For instance, American Heritage Credit Union now offers a standout 5.25% rate on a 15-year FHA purchase loan, the lowest we’ve seen across our trusted credit union and national data sources. Meanwhile, Zillow’s jumbo 30-year fixed rate has dipped slightly to just over 6.5%, reflecting subtle shifts that savvy buyers can take advantage of. Inflation expectations are inching up modestly, but thankfully, FHA rates nationwide have eased a touch in the past week. Here’s what you need to know before locking in a rate — with opportunities like these, timing and understanding your options can make all the difference.
New Purchase - FHA 15 yrs Fixed
Lender
2025-08-13
(Current Day)
(Current Day)
2025-08-06
(7 Days Ago)
(7 Days Ago)
2025-07-29
(15 Days Ago)
(15 Days Ago)
2025-07-14
(30 Days Ago)
(30 Days Ago)
2025-06-29
(45 Days Ago)
(45 Days Ago)
2025-06-14
(60 Days Ago)
(60 Days Ago)
2025-05-15
(90 Days Ago)
(90 Days Ago)
American Heritage
5.63%
6.00%
+37.5 bps
6.00%
+37.5 bps
5.88%
+25 bps
6.00%
+37.5 bps
Ent
5.25%
5.25%
5.25%
5.25%
5.25%
Goldenwest
5.38%
5.49%
+11.5 bps
5.49%
+11.5 bps
5.49%
+11.5 bps
Hapo Community
5.50%
5.50%
5.63%
+12.5 bps
Schoolsfirst
5.50%
5.63%
+12.5 bps
5.63%
+12.5 bps
5.63%
+12.5 bps
5.75%
+25 bps
5.75%
+25 bps
Washington State Employees
5.88%
5.88%
5.88%
5.88%
5.75%
-12.5 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-08-13
(Current Day)
(Current Day)
2025-08-06
(7 Days Ago)
(7 Days Ago)
2025-07-29
(15 Days Ago)
(15 Days Ago)
2025-07-14
(30 Days Ago)
(30 Days Ago)
2025-06-29
(45 Days Ago)
(45 Days Ago)
2025-06-14
(60 Days Ago)
(60 Days Ago)
2025-05-15
(90 Days Ago)
(90 Days Ago)
American Heritage
5.99%
6.25%
+26 bps
6.25%
+26 bps
5.99%
5.99%
Desert Financial
5.75%
5.75%
5.99%
+24 bps
5.99%
+24 bps
5.99%
+24 bps
6.00%
+25 bps
6.13%
+37.5 bps
Ent
6.00%
6.00%
6.00%
6.00%
6.00%
Fccu
5.63%
5.99%
+36.5 bps
5.99%
+36.5 bps
Goldenwest
5.75%
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
Hapo Community
6.00%
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
Hughes
5.88%
5.88%
6.49%
+61.5 bps
5.99%
+11.5 bps
Nuvision
5.75%
5.88%
+12.5 bps
6.00%
+25 bps
6.00%
+25 bps
Schoolsfirst
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
6.38%
+12.5 bps
6.50%
+25 bps
6.38%
+12.5 bps
Trustone Financial
5.75%
6.00%
+25 bps
6.00%
+25 bps
6.00%
+25 bps
Washington State Employees
5.99%
5.99%
6.00%
+1 bps
6.13%
+13.5 bps
5.99%
American Heritage
On August 13, 2025, 15 Year FHA Purchase rates decreased by 37.5 basis points, settling at a competitive 5.625%, marking the lowest rate across today's offerings. Meanwhile, the 30 Year FHA Purchase rate declined by 26 basis points to 5.99%, maintaining stability compared to 30 days prior. These yield spreads suggest a reduced cost of borrowing for homebuyers utilizing government-backed FHA loans, particularly benefiting first-time buyers seeking shorter-term financing with the 15-year FHA option. Veterans and other borrowers considering longer terms may find the 30-year FHA rate steady but unchanged month-over-month. Members should assess their mortgage strategy carefully: those valuing payment predictability might prioritize fixed-rate products, while others could evaluate refinancing opportunities to leverage current lower rates and reduce long-term interest expenses.
Desert Financial
As of August 13, 2025, the FHA 30 Year Fixed Purchase mortgage rate remains steady at a competitive 5.75%, unchanged over the past week. This represents a notable 24 basis point decrease compared to 30 days ago, signaling a modest reduction in the overall cost of borrowing for eligible buyers. First-time homebuyers utilizing this government-backed program may find improved affordability due to these tighter yield spreads. While no rate movement occurred in the last seven days, the downward trend over the month suggests potential savings on long-term financing costs. Members should consider fixed-rate FHA options if stability is a priority and evaluate purchasing opportunities or refinancing strategies to optimize their mortgage terms amid current market conditions.
Ent
On August 13, 2025, FHA 15-Year Fixed Purchase Loans maintain a stable rate of 5.25%, unchanged over the past week and month, reflecting consistent borrowing costs for short-term FHA buyers. Meanwhile, the FHA 30-Year Fixed Purchase Loan holds steady at 6.00%, with no rate movement in the same periods, indicating stable yield spreads for longer-term FHA financing. These static rates suggest limited volatility in government-backed mortgage yields, benefiting first-time homebuyers seeking predictable payment structures. Members should consider fixed-rate FHA options if they prioritize long-term payment certainty, especially given unchanged cost dynamics. For those evaluating purchase timing or loan terms, these stable rates provide a clear environment to assess financing strategies without concern for immediate rate shifts.
Fccu
On August 13, 2025, the 30-year FHA Purchase mortgage rate stands at a competitive 5.625%, reflecting a notable decline of 36.5 basis points compared to one week ago. This reduction in yield spreads lowers the cost of borrowing for first-time buyers and those eligible for government-backed loans, potentially improving affordability. The absence of significant change over the past 30 days suggests relative market stability for this product. Members considering home purchases should evaluate these current rates carefully, especially if seeking long-term fixed financing with predictable payments. Additionally, those planning to refinance might find value in locking in rates now to mitigate future increases and optimize their mortgage strategy based on evolving market conditions.
Goldenwest
On August 13, 2025, 15 Year Fixed FHA Mortgage rates for purchases decreased by 11.5 basis points to 5.375%, improving borrowing costs for buyers seeking shorter-term commitments. Conversely, the 30 Year Fixed FHA Mortgage rate remained steady at 5.75%, showing no change over the past week but a notable decline of 12.5 basis points compared to 30 days ago. These shifts suggest enhanced affordability for members targeting long-term financing or quicker payoff horizons. First-time buyers may benefit from locking in the lower 15-year fixed FHA rate, while those preferring extended terms should consider current 30-year FHA rates stability amid favorable yield spreads. Evaluating mortgage strategies in light of these dynamics can optimize cost efficiency—members valuing payment predictability might favor fixed-rate options, while refinancing considerations could reduce overall interest expenses.
Hapo Community
On August 13, 2025, FHA Purchase mortgage rates remain steady. The 15-Year Fixed FHA Purchase rate holds at 5.5%, unchanged from last week, maintaining the lowest yield spread among today’s options. The 30-Year Fixed FHA Purchase rate also stands firm at 6.0%, reflecting a 12.5 basis points decrease over the past 30 days, indicating a modest reduction in long-term borrowing costs.
For first-time buyers and those seeking government-backed financing, these stable or slightly improved rates support predictable payment planning. Borrowers prioritizing shorter terms can benefit from the consistent 15-year fixed FHA rate, while those opting for longer terms should note the favorable downward trend in the 30-year fixed option.
Members are advised to evaluate their mortgage strategy considering these shifts—fixed-rate options offer cost certainty, and current trends may present opportunities to optimize long-term financing expenses.
Hughes
On August 13, 2025, the 30-year FHA Loan (Purchase) rate remains steady at 5.875%, showing no change over the past 7 days and a decrease of 11.5 basis points compared to 30 days ago. This stable yield spread indicates a consistent cost of borrowing for first-time buyers relying on government-backed financing. The modest decline over the month may slightly reduce monthly payments, enhancing affordability for members entering the housing market with limited down payment capacity. Borrowers should assess whether locking in a fixed-rate FHA loan aligns with their financial plans, especially given current market stability. Evaluating mortgage strategies with this data can help members balance long-term cost efficiency against interest rate risk in today’s lending environment.
Nuvision
On August 13, 2025, the 30-Year FHA Purchase mortgage rate decreased by 12.5 basis points to 5.75%, down from 5.875% a week ago, and is now 25 basis points lower than rates observed 30 days prior. This reduction in yield spreads signals a modest decline in the cost of borrowing for first-time and credit-challenged buyers who typically utilize FHA loans. For prospective homeowners relying on government-backed financing, this shift can improve affordability and monthly payment stability. Members should consider locking in these relatively lower fixed rates if they prioritize long-term payment predictability. Additionally, those currently carrying higher-rate FHA mortgages might evaluate refinancing opportunities to reduce interest expenses over the loan term. Monitoring these movements supports strategic mortgage decisions aligned with individual financial goals.
Schoolsfirst
On August 13, 2025, FHA 15 Year Purchase rates stand at a competitive 5.5%, marking a 12.5 basis points decrease from last week. This reduction in yield spreads lowers the cost of borrowing for buyers seeking shorter-term government-backed financing. Meanwhile, the FHA 30 Year Purchase rate is at 6.25%, also down by 12.5 basis points over both the past 7 and 30 days, reflecting improved affordability for long-term FHA borrowers.
These shifts can benefit first-time homebuyers prioritizing stable payments with the FHA 15 Year fixed option, while those focused on lower monthly outlays might consider the FHA 30 Year product. Given these trends, members should evaluate their mortgage strategy carefully—consider fixed-rate options for predictable costs or explore refinancing to capitalize on recent rate declines and optimize long-term financial outcomes.
Trustone Financial
On August 13, 2025, the FHA 30 Year Fixed Purchase mortgage rate stands at a competitive 5.75%, marking a significant decline of 25 basis points compared to both last week and one month ago. This downward adjustment in yield spreads reduces the overall cost of borrowing for first-time homebuyers and those utilizing government-backed financing. For members considering entry into homeownership, this rate improvement enhances affordability by lowering monthly payments. Given the stability of fixed-rate terms and this recent decrease, borrowers prioritizing predictable payments should assess their mortgage strategies accordingly. Evaluating refinancing options or locking in current rates could prove advantageous to mitigate future market volatility and optimize long-term financial outcomes.
Washington State Employees
On August 13, 2025, FHA 15-Year Fixed Rate Purchase loans remain steady at 5.875%, unchanged over the past week, maintaining the lowest rate in today’s offerings. This stability supports borrowers prioritizing shorter-term financing with predictable payments and potentially lower total interest costs. Meanwhile, the FHA 30-Year Fixed Rate Purchase loan holds at 5.99%, unchanged week-over-week but down 13.5 basis points from 30 days ago, reflecting a modest easing in long-term borrowing costs. First-time buyers may find the 15-year term advantageous for accelerated equity building, while those seeking longer amortization benefit from recent rate improvements on 30-year terms. Members should consider fixed-rate options to lock in current yields and evaluate refinancing strategies to optimize cost efficiency amid fluctuating market conditions.
Zillow National Average
As the summer sun begins to wane, mortgage rates are cooling slightly, creating a refreshing opportunity for homebuyers. Today, the 15-Year Fixed Rate Jumbo saw a modest dip of 0.07% from yesterday, while over the past month, it has dropped a notable 0.34%. This gradual easing could be a silver lining for first-time buyers looking to secure favorable financing amidst ongoing economic fluctuations.
For those considering refinancing or investing, it's crucial to recognize how even small shifts in rates can impact long-term costs—just a 0.25% change could add tens of thousands to your mortgage payments over 30 years. Don’t miss out on today’s potential savings; locking in these rates could be wise given the Fed's hints at future hikes.
Whether you're entering the market as a buyer or adjusting your investment strategy, now is the time to speak with a mortgage advisor and explore your best options. Stay informed and proactive; with market conditions evolving, every day counts!
Federal Reserve Economic Trends
As we navigate through August 2025, a notable shift in the economic landscape has emerged, particularly with Breakeven Inflation Rate 10Yr rising by 0.04 points over the past week. This subtle increase underscores the ongoing tug-of-war between inflation expectations and interest rates—key factors influencing mortgage costs.
With current Mortgage 30Yr Average Rates down a staggering 6.84 points over the past two months, potential homebuyers and refinancers may find this an opportune moment to act. Even a slight adjustment in rates can significantly impact monthly payments; for instance, a mere 0.25% increase on a $300,000 loan could add nearly $50 to monthly payments.
For first-time buyers, now is an ideal time to lock in favorable rates before any further fluctuations. Meanwhile, long-term investors should keep a close watch on inflation trends as they can signal shifts in mortgage affordability.
Consulting with a mortgage advisor can provide personalized insights tailored to your financial goals. As the Federal Reserve continues to assess economic indicators, staying informed is crucial—keep your eyes peeled for upcoming decisions that could sway future rates.
Stay proactive; today’s rates may not last! Consider locking in these attractive rates while you can!
LendMesh
When you picture your dream home, do you imagine a place for family gatherings or a peaceful corner to call your own? Whatever your vision, LendMesh is here to help make it a reality. We believe mortgages should be about more than just numbers; they should support your long-term goals and happiness. That’s why our partners include both well-known banks and credit unions committed to serving their local communities. Our platform is full of honest advice, straightforward comparisons, and step-by-step tools. Whenever you’re ready, head over to our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans and take the next step toward the future you deserve.
Conclusion
As you weigh your next move in this evolving mortgage landscape, remember that even small changes in interest rates ripple through your monthly payments and total loan cost more than you might expect. Today’s low 5.25% FHA 15-year fixed purchase rate from American Heritage isn’t just a number—it could mean hundreds saved each month or thousands over the life of your loan. Keep an eye on shifts like those subtle declines in FHA and jumbo rates; they hint at pockets of opportunity for buyers and refinancers alike. If you’re planning to buy or refinance soon, consider locking in while these favorable conditions last—waiting could nudge costs higher as inflation expectations adjust. Ultimately, staying informed and acting decisively puts you ahead of the curve—helping you turn market trends into smart financial moves for your home and future.