Introduction
As of August 27, 2025, mortgage rates are showing some encouraging signs for homebuyers and refinancers alike. If you’ve been watching the market, you might have noticed a gentle easing in FHA loan rates at several credit unions, with Desert Financial offering a standout 5.625% on their 30-year fixed FHA purchase loan, the lowest among today’s detailed credit union offerings. Meanwhile, Zillow’s data shows jumbo 30-year fixed rates dipping slightly to 6.433%, signaling subtle relief for higher-value buyers. Even broader economic indicators tell a story of easing inflation expectations—the 10-year breakeven inflation rate ticked up modestly but remains stable enough to keep long-term borrowing costs from spiking. Here’s what you need to know before locking in a rate: whether you’re shopping for a first home or considering refinancing, these small shifts could save you hundreds each month or thousands over the life of your loan. Let’s dive into the numbers and what they mean for your next move.
New Purchase - FHA 15 yrs Fixed
Lender
2025-08-27
(Current Day)
(Current Day)
2025-08-20
(7 Days Ago)
(7 Days Ago)
2025-08-12
(15 Days Ago)
(15 Days Ago)
2025-07-28
(30 Days Ago)
(30 Days Ago)
2025-07-13
(45 Days Ago)
(45 Days Ago)
2025-06-28
(60 Days Ago)
(60 Days Ago)
2025-05-29
(90 Days Ago)
(90 Days Ago)
Ent
5.25%
5.25%
5.25%
5.38%
+12.5 bps
5.25%
Goldenwest
5.13%
5.49%
+36.5 bps
5.38%
+25 bps
5.50%
+37.5 bps
5.38%
+25 bps
Hapo Community
5.50%
5.50%
5.50%
Schoolsfirst
5.50%
5.50%
5.50%
5.63%
+12.5 bps
5.75%
+25 bps
5.75%
+25 bps
Washington State Employees
5.63%
5.88%
+25 bps
5.88%
+25 bps
5.88%
+25 bps
5.75%
+12.5 bps
5.88%
+25 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-08-27
(Current Day)
(Current Day)
2025-08-20
(7 Days Ago)
(7 Days Ago)
2025-08-12
(15 Days Ago)
(15 Days Ago)
2025-07-28
(30 Days Ago)
(30 Days Ago)
2025-07-13
(45 Days Ago)
(45 Days Ago)
2025-06-28
(60 Days Ago)
(60 Days Ago)
2025-05-29
(90 Days Ago)
(90 Days Ago)
Desert Financial
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.99%
+36.5 bps
5.99%
+36.5 bps
5.99%
+36.5 bps
6.13%
+50 bps
Ent
6.13%
6.00%
-12.5 bps
6.00%
-12.5 bps
6.13%
6.00%
-12.5 bps
First Community 66818
5.63%
5.63%
Goldenwest
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
5.88%
+25 bps
5.88%
+25 bps
Hapo Community
5.88%
5.88%
6.00%
+12.5 bps
6.13%
+25 bps
6.13%
+25 bps
Hughes
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
6.49%
+74 bps
5.99%
+24 bps
Nuvision
5.63%
5.75%
+12.5 bps
5.75%
+12.5 bps
6.00%
+37.5 bps
6.00%
+37.5 bps
Schoolsfirst
6.25%
6.25%
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.50%
+25 bps
6.38%
+12.5 bps
State Employees Cu Of Maryland Inc
5.88%
5.88%
6.00%
+12.5 bps
6.25%
+37.5 bps
6.13%
+25 bps
6.25%
+37.5 bps
Trustone Financial
5.75%
5.75%
5.75%
6.00%
+25 bps
6.00%
+25 bps
Washington State Employees
5.99%
5.99%
5.99%
6.00%
+1 bps
6.13%
+13.5 bps
6.13%
+13.5 bps
Desert Financial
On August 27, 2025, the FHA 30 Year Fixed Purchase rate stands at a competitive 5.625%, reflecting a decrease of 12.5 basis points compared to last week and a notable 36.5 basis point decline over the past 30 days. This downward trend reduces the overall cost of borrowing for first-time buyers utilizing government-backed programs, improving affordability in a market where yield spreads have slightly tightened. For members weighing home purchases under the FHA program, these lower rates may enhance purchasing power by lowering monthly payments and total interest costs over the loan term. Given this environment, borrowers prioritizing payment stability should consider locking in fixed-rate FHA loans now, while those with existing higher-rate mortgages might evaluate refinancing strategies to capitalize on recent rate improvements.
Ent
On August 27, 2025, FHA 15-Year Fixed Purchase loans maintain the lowest rate at 5.25%, stable over the past week but down 12.5 basis points compared to 30 days ago, reflecting a modest easing in borrowing costs for shorter-term FHA buyers. Conversely, the FHA 30-Year Fixed Purchase rate increased by 12.5 basis points week-over-week to 6.125%, holding steady relative to a month prior. This uptick slightly elevates long-term financing expenses for borrowers seeking extended terms under FHA guidelines. For first-time buyers prioritizing predictability and faster equity build-up, the stable lower 15-year rate presents an efficient option. Meanwhile, those considering longer terms should monitor the recent yield spread increase impacting monthly payments. Members are advised to evaluate fixed-rate options if stability is essential and to assess refinancing strategies in light of these nuanced rate shifts to optimize their mortgage cost structure.
First Community 66818
On August 27, 2025, the 30-year FHA Purchase loan remains steady at a rate of 5.625%, showing no change over the past 7 days. This stability in yield spreads indicates a consistent cost of borrowing for first-time buyers utilizing government-backed options. For members considering FHA loans, particularly those prioritizing lower down payments and flexible credit requirements, current rates offer predictable financing costs without recent volatility. Veterans and refinance applicants should note this product’s steadiness amid broader market fluctuations. Given the unchanged rate environment, members are advised to evaluate their mortgage strategy carefully—consider fixed-rate FHA options if long-term payment certainty is preferred or explore refinancing only if it aligns with lowering overall loan expenses.
Goldenwest
On August 27, 2025, 15 Year Fixed FHA Mortgage rates for purchase have decreased notably to 5.125%, down 36.5 basis points from last week and 37.5 basis points compared to 30 days ago. This reduction lowers the overall cost of borrowing, benefiting buyers aiming for shorter-term loans with faster equity buildup. Meanwhile, the 30 Year Fixed FHA Mortgage rate stands at 5.625%, reflecting a modest decline of 12.5 basis points over the past seven days and 25 basis points versus one month prior. Longer-term borrowers may find this slightly improved yield spread favorable for stable monthly payments.
Members should consider fixed-rate options if they prioritize payment stability or evaluate their mortgage strategy to optimize long-term financing costs amid these declining trends.
Hapo Community
As of August 27, 2025, the 15-Year Fixed FHA Purchase mortgage rate remains steady at 5.5%, showing no change over the past week. This stable yield benefits buyers seeking lower cost of borrowing with shorter-term financing. Meanwhile, the 30-Year Fixed FHA Purchase rate holds at 5.875%, unchanged from last week but down by 25 basis points compared to 30 days ago, signaling improved affordability for borrowers prioritizing longer repayment periods. First-time buyers may find the fixed-rate options advantageous for predictable payments, while those evaluating long-term housing costs should consider these recent downward shifts in the 30-year term. Members are advised to review their mortgage strategies carefully—fixed-rate FHA loans offer payment stability, and current trends suggest opportunities to refinance or purchase with reduced yield spreads on longer terms.
Hughes
On August 27, 2025, the 30-year FHA Loan (Purchase) rate stands at a competitive 5.75% with 1.0 point. This reflects a 12.5 basis points decrease from one week ago and a notable 74 basis points reduction over the past 30 days, signaling improved borrowing conditions for members. For first-time homebuyers leveraging FHA loans, this decline lowers monthly payments and overall financing costs, enhancing affordability. Veterans and refinance applicants should note that while government-backed options are stable, assessing current yields can inform strategic decisions. Members prioritizing payment predictability may consider locking in fixed rates now to capitalize on favorable yield spreads. Given recent trends, it is prudent to evaluate your mortgage strategy regularly and consider refinancing opportunities to optimize long-term financial outcomes.
Nuvision
On August 27, 2025, the 30-Year FHA Purchase mortgage rate stands at a competitive 5.625% with 1.125 points, marking a decline of 12.5 basis points compared to last week and 37.5 basis points over the past 30 days. This reduction in yield spreads lowers the cost of borrowing for first-time buyers utilizing government-backed loans, potentially enhancing affordability. Veterans and those considering refinancing should note that while only FHA purchase rates are currently available, the downward trend suggests a favorable environment to assess fixed-rate options for long-term budget stability. Members are advised to analyze their mortgage strategies carefully, balancing current rate advantages against future market movements to optimize financing costs effectively.
Schoolsfirst
On August 27, 2025, FHA 15-Year Purchase loans maintain the lowest rate at 5.5% with a stable yield over the past week (+0.000 basis points). This reflects a 12.5 basis points decrease compared to 30 days ago, signaling improved borrowing costs for members seeking shorter-term financing. Meanwhile, the FHA 30-Year Purchase program holds steady at 6.25%, also unchanged in the last seven days but down by 12.5 basis points month-over-month, offering consistent long-term affordability.
For first-time homebuyers and those requiring lower down payments, these trends suggest favorable conditions in government-backed FHA loans with reduced cost pressures relative to last month. Members should consider locking fixed-rate options to secure predictable payments amid stable short-term rate movements while evaluating their mortgage strategy for potential savings in refinancing or new purchases.
State Employees Cu Of Maryland Inc
On August 27, 2025, the FHA 30 Year Fixed Purchase mortgage rate remains steady at 5.875%, unchanged from one week ago but down by 37.5 basis points compared to 30 days prior. This stable yield spread indicates a consistent cost of borrowing for members pursuing government-backed loans. First-time homebuyers relying on FHA programs benefit from this stability, which supports predictable monthly payments amid market fluctuations. Veterans and refinancing applicants should note that while no VA or refinance rates are currently listed, evaluating fixed-rate options like this can enhance long-term financial planning. Members are advised to analyze their mortgage strategies carefully, considering fixed-rate loans for payment certainty and exploring refinancing opportunities to optimize borrowing costs as rates evolve.
Trustone Financial
On August 27, 2025, the FHA 30 Year Fixed Purchase mortgage rate remains steady at 5.75%, showing no change over the past 7 days and a significant decrease of 25 basis points compared to 30 days ago. This downward adjustment in yield spreads reduces the overall cost of borrowing, benefiting first-time homebuyers reliant on government-backed financing. The stable rate environment supports predictable monthly payments, making fixed-rate options attractive for members prioritizing long-term budgeting certainty. Given these trends, members should consider fixed-rate FHA loans if they value payment stability or evaluate refinancing options to capitalize on recent declines and potentially lower their borrowing costs over time.
Washington State Employees
As of August 27, 2025, FHA 15-Year Fixed Rate Purchase loans offer the most competitive yield at 5.625%, reflecting a notable decline of 25 basis points compared to one week ago. This reduction lowers the cost of borrowing for buyers seeking shorter-term financing, benefiting those prioritizing faster equity buildup. Meanwhile, the FHA 30-Year Fixed Rate Purchase remains steady at 5.99%, unchanged over the past week but down marginally by 1 basis point from 30 days prior, maintaining affordability for long-term homebuyers.
Members aiming for predictable payments may consider these stable fixed-rate options, especially given recent favorable shifts in shorter-term rates. Evaluating mortgage strategies now can help optimize borrowing costs amid evolving market conditions.
Zillow National Average
As summer winds down, mortgage rates are experiencing a subtle cooling, reminiscent of a refreshing breeze on a warm day. Today, the 15-Year Fixed Rate Jumbo has dropped slightly to 6.336%, marking a modest decrease of 0.01 basis points from yesterday. Over the past week, this rate climbed by 0.06 basis points, indicating some fluctuations that may concern potential buyers.
For first-time buyers, even small reductions can significantly ease monthly payments and overall interest costs; a mere 0.25% shift can translate into thousands saved over the life of a loan. Refinancers should consider locking in these current rates before any upward movements, while long-term investors might focus on potential rental yields rather than immediate rate changes.
With Zillow’s reliable data at your fingertips, now is the moment to act—don’t miss out on today’s potential savings! As market conditions evolve, staying informed will be crucial; remember, with the Fed hinting at future rate hikes, now may be the time to strike! Speak with a mortgage advisor to explore your best options and secure your financial future.
Federal Reserve Economic Trends
In today’s economic landscape, the recent shifts in mortgage rates and inflation expectations are creating ripples for potential homebuyers and investors alike. Over the past 30 days, Mortgage 30Yr Average Rates plummeted by an astonishing 6.77 points, signaling a significant opportunity for those looking to buy or refinance.
As inflation trends drive interest rates, even a small uptick can dramatically impact your monthly payments. For instance, a mere rise of 0.25% in your mortgage rate can add hundreds to your total cost over a 30-year loan. Currently, the Mortgage 30Yr Va Average Rates fell by 0.12 points this week and 0.29 points over the last month, offering attractive options for first-time buyers and seasoned investors.
If you’re considering buying or refinancing, now is the time to act—lock in a rate before further economic changes occur. Regularly monitoring both inflation and mortgage rates is essential; consult with a mortgage advisor to navigate these shifts effectively.
Stay alert for upcoming Fed decisions that may influence future rates—your financial future depends on it!
LendMesh
The home loan landscape is always changing, but your need for reliable advice never goes out of style. At LendMesh, we keep our mortgage resources up to date with current rates, lender specials, and tips from real financial experts. We know that comparing banks and credit unions can seem overwhelming, so we’ve created a platform that breaks down your options and gives you actionable next steps. Whether you’re seeking a fixed-rate mortgage, a low down payment, or just honest answers, you’ll find it all here. Ready to make your next move? Explore the latest at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . your shortcut to smarter homeownership.
Conclusion
Looking ahead, this moment offers more than just favorable numbers—it’s an opportunity to make smart financial moves that can set you up for years of stability and savings. Even a quarter-point change in mortgage rates can alter your monthly payment by tens or even hundreds of dollars, which adds up significantly over time. With FHA 30-year fixed rates hovering around 5.6% at select credit unions and jumbo loans showing slight declines, now is an excellent time to get pre-approved or revisit your refinance options. Remember, while small rate shifts might seem minor day-to-day, they impact your budget like adjusting the thermostat just a degree or two—you’ll notice the comfort (or strain) immediately. Stay proactive: consult with your lender about locking in today’s competitive rates before market conditions shift again. Whether buying your dream home or reducing your current mortgage burden, these insights put control back in your hands—making your financial journey smoother and more confident every step of the way.