Introduction
As we step into August 26, 2025, the mortgage landscape feels steady yet full of opportunity for those ready to make a move. Whether you’re eyeing a new home or considering refinancing, the latest data from Credit Unions, Zillow, and the Federal Reserve offers a clear picture to help guide your decisions. Notably, Whatcom Educational Credit Union’s 15-year VA fixed rate stands out at an impressive 5.125%, making it the lowest among today’s reported VA loan rates—a real gem for veterans and active service members looking to save on interest. Meanwhile, jumbo loan seekers will notice a slight uptick in Zillow’s 15-year fixed jumbo rate, now at 6.383%, reflecting subtle shifts in market sentiment. Inflation expectations ticked up modestly this week too, with the Federal Reserve’s breakeven inflation rates nudging higher—an early hint that locking in your rate soon could shield you from future increases. Here’s what you need to know before locking in a rate: understanding these small but meaningful movements can make a big difference in your monthly payments and overall loan cost.
New Purchase - VA 15 yrs Fixed
Lender
2025-08-26
(Current Day)
(Current Day)
2025-08-19
(7 Days Ago)
(7 Days Ago)
2025-08-11
(15 Days Ago)
(15 Days Ago)
2025-07-27
(30 Days Ago)
(30 Days Ago)
2025-07-12
(45 Days Ago)
(45 Days Ago)
2025-06-27
(60 Days Ago)
(60 Days Ago)
2025-05-28
(90 Days Ago)
(90 Days Ago)
Affinity Plus
5.88%
5.88%
5.88%
5.88%
5.88%
5.88%
6.25%
+37.5 bps
Goldenwest
5.99%
6.00%
+1 bps
6.00%
+1 bps
6.00%
+1 bps
6.00%
+1 bps
Hapo Community
5.38%
5.38%
5.38%
Washington State Employees
5.88%
5.88%
5.88%
6.38%
+50 bps
6.13%
+25 bps
5.75%
-12.5 bps
Whatcom Educational
5.13%
5.13%
5.13%
5.38%
+25 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-08-26
(Current Day)
(Current Day)
2025-08-19
(7 Days Ago)
(7 Days Ago)
2025-08-11
(15 Days Ago)
(15 Days Ago)
2025-07-27
(30 Days Ago)
(30 Days Ago)
2025-07-12
(45 Days Ago)
(45 Days Ago)
2025-06-27
(60 Days Ago)
(60 Days Ago)
2025-05-28
(90 Days Ago)
(90 Days Ago)
Affinity Plus
6.88%
6.88%
6.88%
6.88%
6.88%
6.88%
7.13%
+25 bps
First Community 66818
5.63%
5.63%
Goldenwest
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.99%
+24 bps
5.88%
+12.5 bps
Hapo Community
6.00%
6.00%
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
Nasa
5.88%
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
Newport News Shipbuilding Employees
5.88%
5.88%
5.75%
-12.5 bps
5.99%
+11.5 bps
Nuvision
5.75%
5.75%
5.75%
6.13%
+37.5 bps
6.00%
+25 bps
Washington State Employees
5.99%
6.00%
+1 bps
6.00%
+1 bps
6.13%
+13.5 bps
6.13%
+13.5 bps
6.13%
+13.5 bps
Whatcom Educational
6.00%
6.00%
6.00%
6.25%
+25 bps
Affinity Plus
On August 26, 2025, 15-Year VA Fixed-Rate and 30-Year VA Fixed-Rate mortgage rates remain stable at 5.875% and 6.875%, respectively, showing no change over the past week or month. This stability translates to zero basis points difference in borrowing costs for veterans considering purchase loans. For first-time buyers or those prioritizing lower monthly payments, the 15-Year VA Fixed-Rate at 5.875% offers the lowest yield spread, potentially reducing overall interest expenses compared to longer terms. Veterans evaluating purchase options can rely on consistent rate conditions, facilitating clearer financial planning without the uncertainty of rising rates. Members should consider fixed-rate VA mortgages if they value payment predictability and evaluate their mortgage strategy carefully amid steady market conditions to optimize long-term affordability.
First Community 66818
As of August 26, 2025, the 30-year VA Purchase loan rate remains steady at a competitive 5.625%, showing no change over the past week. This stability in yield spreads reflects a consistent cost of borrowing for veterans and eligible buyers seeking government-backed financing. For first-time buyers and veterans, maintaining this rate provides predictable monthly payments without added premium costs. While refinancing options are not reflected today, members should regularly evaluate their mortgage strategy in light of market conditions. Those prioritizing long-term payment stability may consider locking in fixed-rate VA loans like this one to mitigate future interest rate volatility. Staying informed on such data supports prudent financial decisions aligned with individual goals and risk tolerance.
Goldenwest
On August 26, 2025, 30 Year Fixed VA Mortgage Purchase rates decreased by 12.5 basis points to 5.75%, down from 5.875% a week ago and showing a 24 basis point decline over the past 30 days. The 15 Year Fixed VA Mortgage Purchase also edged lower by 1 basis point to 5.99%, maintaining relative stability compared to recent weeks.
These downward shifts in yields reduce the overall cost of borrowing for veterans pursuing home purchases, particularly benefiting those targeting longer-term financing with the 30-year fixed option—the lowest rate available today. Borrowers valuing payment predictability may find this an opportune moment to consider fixed-rate VA loans, while those with shorter time horizons should evaluate their refinancing strategies in light of marginal rate changes.
Members are advised to analyze these movements carefully to align mortgage decisions with their financial goals and risk tolerance.
Hapo Community
On August 26, 2025, VA Purchase loans maintain stable mortgage rates with the 15-Year VA fixed at 5.375%, holding steady over the past week. The 30-Year VA fixed rate remains at 6.00%, reflecting a modest decrease of 12.5 basis points compared to 30 days ago, signaling a slight easing in long-term borrowing costs for eligible veterans. For first-time buyers and veteran borrowers, the unchanged 15-year rate preserves predictable payment structures, while the downward adjustment in the 30-year rate could improve affordability on extended terms. Members should consider their risk tolerance; those prioritizing payment stability may favor the fixed 15-year product, whereas those seeking lower monthly payments might evaluate the 30-year option amid improving yield spreads. Given current trends, reviewing mortgage strategies with an emphasis on term length and interest rate exposure is advisable to optimize financing outcomes.
Nasa
On August 26, 2025, the 30-Year Fixed Rate VA Purchase mortgage remains steady at 5.875%, showing no change over the past 7 days but a notable decline of 12.5 basis points compared to 30 days ago. This reduction in yield spreads lowers the overall cost of borrowing for veterans and eligible buyers, potentially improving affordability on new home purchases. For those evaluating financing strategies, this stable rate environment supports locking in fixed-rate options to maintain predictable payments. Members considering entry into homeownership or refinancing should assess current market conditions carefully to optimize their mortgage terms amid these moderate rate fluctuations.
Newport News Shipbuilding Employees
On August 26, 2025, the 30-Year VA Loan Purchase rate remains steady at 5.875%, showing no change over the past week (+0.000 basis points) but reflecting a notable decrease of 11.5 basis points compared to 30 days ago. This downward adjustment reduces the overall cost of borrowing for eligible veterans and first-time buyers utilizing VA benefits, potentially improving affordability in new home purchases. Stability in this rate suggests limited immediate volatility, allowing members to evaluate fixed-rate mortgage options with confidence. For those considering financing strategies, assessing current eligibility for VA loans or exploring refinancing alternatives may help optimize long-term housing expenses amid fluctuating market yields.
Nuvision
As of August 26, 2025, the 30-Year VA Purchase mortgage rate remains steady at 5.75%, unchanged from last week but down 37.5 basis points compared to 30 days ago. This yield spread contraction reduces the cost of borrowing for veterans, making home financing more accessible while preserving predictable monthly payments. For veterans considering a home purchase, this rate stability supports budget planning without unexpected rate volatility. Given this trend, members should evaluate refinancing options if locking in long-term rates aligns with their financial goals or consider fixed-rate programs for payment consistency amid market fluctuations. Maintaining awareness of such rate movements is crucial for optimizing mortgage strategies in a dynamic interest rate environment.
Washington State Employees
On August 26, 2025, VA Purchase Mortgage rates show mixed trends impacting borrowing costs for Washington State employees. The 15-Year Fixed Rate VA loan remains steady at a competitive 5.875%, unchanged from last week but down by 50 basis points compared to 30 days ago, representing a notable easing in yield spreads for shorter-term veterans’ financing. Meanwhile, the 30-Year Fixed Rate VA loan declined slightly by 1 basis point over seven days to 5.99%, and is lower by approximately 13.5 basis points month-over-month, indicating modest cost-of-borrowing relief for long-term purchasers.
For veterans and first-time buyers prioritizing predictability, the stable 15-year fixed rate at 5.875% offers reduced interest exposure over the loan term. Those considering longer horizons should note the subtle recent decline in the 30-year fixed rate, potentially enhancing affordability.
Members are encouraged to evaluate their mortgage strategy with these data points: consider fixed-rate options if stability is paramount or review refinancing opportunities to leverage current downward rate trends and reduce overall financing expenses.
Whatcom Educational
On August 26, 2025, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.125%, unchanged over the past week but down 25 basis points compared to 30 days ago, reducing the cost of borrowing for veterans seeking shorter-term financing. Similarly, the VA 30-Year Fixed Purchase rate remains steady at 6.00%, also down by 25 basis points from a month prior, supporting long-term affordability. These stable yield spreads suggest limited short-term volatility, beneficial for members prioritizing predictable payments. Veterans evaluating home purchase options should consider these fixed-rate programs to lock in current favorable rates. Given the downward trend over the last month, members may also assess refinancing strategies to optimize their mortgage costs amid stable market conditions.
Zillow National Average
As summer wanes, mortgage rates are showing subtle shifts, much like the changing leaves. Today, the 30-Year Fixed Rate Jumbo has seen a sharp rise of 0.02% from yesterday, signaling a cautious moment for potential buyers and refinancers. In contrast, over the past month, the 15-Year Fixed Rate Jumbo has gradually cooled by 0.40%, which could be a silver lining for those looking to shorten their loan terms.
For first-time buyers, even small rate drops can translate into significant savings—think of how just a 0.25% increase can add tens of thousands to a 30-year mortgage! If you're considering refinancing or investing, now might be the time to act as these changes can impact your long-term costs.
With Zillow's reliable data at your fingertips, don't hesitate to reach out to a mortgage advisor today to explore your best options. Stay informed as we navigate this dynamic market; opportunities may arise when you least expect them!
Federal Reserve Economic Trends
In a surprising turn of events, today marks a significant decline in Mortgage 30Yr Jumbo Average Rates, which plummeted by 6.57 points in just one day. This drop underscores the ongoing tug-of-war between inflation expectations and mortgage rates, as the Breakeven Inflation Rate for 10 years remains steady at 2.410%, indicating that inflation concerns are somewhat contained.
For homebuyers and investors, understanding how these fluctuations impact mortgage costs is essential. For instance, a mere 0.25% increase in mortgage rates can translate to hundreds of dollars more each month for a 30-year loan, making timing crucial when locking in rates.
Today's notable shifts—especially in jumbo loans—present opportunities for first-time buyers and refinancers alike. As mortgage rates have dipped significantly over the past month, now may be an excellent time to consult with your mortgage advisor about securing a favorable rate.
Stay vigilant as economic conditions evolve and the Federal Reserve potentially adjusts its policies—keeping an eye on inflation trends could save you thousands down the line!
LendMesh
For many buyers, the path to homeownership starts with questions—about mortgage rates, lender choices, and what really makes a good deal. At LendMesh, we’re here to turn those questions into confidence. Our platform connects you with credit unions and banks that compete for your trust, not just your business. Whether you want to compare rates, explore home loan programs, or simply get advice from someone who’s been there, you’ll find it all in one easy-to-use place. Begin your journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh is committed to making your home buying process smart, transparent, and empowering.
Conclusion
Looking ahead, whether you're buying your first home, upgrading, or refinancing, it pays to keep your finger on the pulse of these evolving rates. Even a tenth of a percent change might seem minor but can translate into hundreds saved—or spent—over time. The steady low of Whatcom Educational’s 15-year VA fixed rate at 5.125% offers an attractive option for those eligible, combining stability with affordability. For others considering jumbo loans or longer terms, watching Zillow’s slight rate adjustments and inflation trends is key to timing your lock-in strategically. Remember, every basis point counts when budgeting for monthly payments or planning long-term financial goals. Don’t rush; take advantage of the current calm in the market while preparing for potential shifts ahead. By staying informed and proactive today, you can confidently navigate tomorrow’s housing market challenges—and turn them into opportunities for lasting financial wellbeing.