Introduction
As of August 29, 2025, the mortgage landscape is offering some encouraging signs for savvy homebuyers and refinancers alike. Whether you’re keeping a close eye on your dream home’s affordability or looking to lower your monthly payments, small shifts in rates can make a big difference. Today, the lowest rate on a 15-year fixed refinance stands at an attractive 4.00% from Eecu, giving borrowers a rare opportunity to lock in long-term savings. Meanwhile, Zillow’s jumbo loan averages show slight dips, with the 30-year fixed jumbo rate edging down to 6.41%, reflecting subtle easing in higher-balance financing options. The Federal Reserve’s inflation expectations remain steady, providing added confidence that mortgage rates might hold firm in the near term. Here’s what you need to know before locking in a rate—whether you’re refinancing to save or stepping into homeownership for the first time, these numbers could shape your next move.
Refinance - Conventional 15 yrs Fixed
Lender
2025-08-29
(Current Day)
(Current Day)
2025-08-22
(7 Days Ago)
(7 Days Ago)
2025-08-14
(15 Days Ago)
(15 Days Ago)
2025-07-30
(30 Days Ago)
(30 Days Ago)
2025-07-15
(45 Days Ago)
(45 Days Ago)
2025-06-30
(60 Days Ago)
(60 Days Ago)
2025-05-31
(90 Days Ago)
(90 Days Ago)
Affinity Plus
5.75%
5.75%
5.75%
5.75%
6.00%
+25 bps
Digital
5.13%
5.13%
5.25%
+12.5 bps
5.38%
+25 bps
5.38%
+25 bps
5.25%
+12.5 bps
Eecu
4.00%
4.00%
4.00%
4.00%
6.09%
+209 bps
Knoxville Tva Employees
5.25%
5.25%
5.38%
+12.5 bps
5.38%
+12.5 bps
5.38%
+12.5 bps
5.38%
+12.5 bps
Langley
5.63%
5.63%
5.63%
5.63%
5.63%
5.63%
Mountain America
5.38%
5.13%
-25 bps
5.50%
+12.5 bps
5.63%
+25 bps
6.74%
+136.5 bps
6.74%
+136.5 bps
6.74%
+136.5 bps
Onpoint Community
5.50%
5.63%
+12.5 bps
5.63%
+12.5 bps
5.75%
+25 bps
5.75%
+25 bps
5.63%
+12.5 bps
Randolph Brooks
5.75%
5.75%
5.75%
5.75%
5.75%
5.75%
Wings Financial
5.38%
5.38%
5.50%
+12.5 bps
5.63%
+25 bps
5.75%
+37.5 bps
5.50%
+12.5 bps
Refinance - Conventional 30 yrs Fixed
Lender
2025-08-29
(Current Day)
(Current Day)
2025-08-22
(7 Days Ago)
(7 Days Ago)
2025-08-14
(15 Days Ago)
(15 Days Ago)
2025-07-30
(30 Days Ago)
(30 Days Ago)
2025-07-15
(45 Days Ago)
(45 Days Ago)
2025-06-30
(60 Days Ago)
(60 Days Ago)
2025-05-31
(90 Days Ago)
(90 Days Ago)
Affinity Plus
6.38%
6.38%
6.38%
6.50%
+12.5 bps
6.63%
+25 bps
Digital
6.00%
6.13%
+12.5 bps
6.00%
6.13%
+12.5 bps
6.25%
+25 bps
6.13%
+12.5 bps
Knoxville Tva Employees
6.13%
6.13%
6.38%
+25 bps
6.38%
+25 bps
6.38%
+25 bps
6.38%
+25 bps
Langley
4.99%
4.99%
4.99%
4.99%
6.50%
+151 bps
4.99%
Mountain America
6.25%
6.38%
+12.5 bps
6.38%
+12.5 bps
6.49%
+24 bps
6.62%
+37.4 bps
6.38%
+12.5 bps
6.75%
+50 bps
Onpoint Community
7.50%
7.63%
+12.5 bps
7.63%
+12.5 bps
6.50%
-100 bps
7.88%
+37.5 bps
7.63%
+12.5 bps
Randolph Brooks
6.63%
6.63%
6.63%
6.75%
+12.5 bps
6.75%
+12.5 bps
6.75%
+12.5 bps
Wings Financial
6.25%
6.25%
6.38%
+12.5 bps
6.50%
+25 bps
6.63%
+37.5 bps
6.38%
+12.5 bps
Affinity Plus
On August 29, 2025, 15-Year Fixed-Rate Conventional Refinance loans hold the lowest rate at 5.75%, unchanged over the past week and month, maintaining a stable cost of borrowing for borrowers prioritizing predictability. Meanwhile, the 30-Year Fixed-Rate Conventional Refinance rate remains at 6.375%, steady over seven days but down 12.5 basis points compared to 30 days ago, slightly improving long-term affordability for those seeking extended terms.
These steady yield spreads suggest minimal volatility in refinancing costs, benefiting members aiming to lock in fixed rates or reduce monthly payments. Veterans and first-time buyers should assess fixed-rate options for financial stability, while existing homeowners might evaluate refinancing to capitalize on recent declines in longer-term rates and optimize their mortgage strategy.
Digital
On August 29, 2025, the 15-Year Fixed Refinance rate remains at a competitive 5.125%, unchanged over the past week but down 25 basis points from 30 days ago, signaling a modest reduction in the cost of borrowing for shorter-term refinancers. Meanwhile, the 30-Year Fixed Rate Refinance has declined by 12.5 basis points week-over-week to 6.00%, also reflecting a favorable shift compared to one month prior.
These movements suggest that borrowers seeking long-term stability may find value in locking in fixed rates now, particularly those refinancing to capitalize on recent yield spreads. Members focused on reducing monthly payments or overall interest costs should evaluate current fixed-rate options carefully given these downward trends.
In summary, consider your mortgage strategy with attention to term length and recent rate shifts—fixed-rate refinancing offers an opportunity to optimize borrowing costs amid evolving market conditions.
Eecu
On August 29, 2025, the 15 Year Fixed Conforming Refinance rate remains steady at 4.00%, showing no change over the past 7 and 30 days. This stability in yield spreads indicates consistent borrowing costs for members considering refinancing. For homeowners aiming to reduce their loan term without facing increased rates, this fixed-rate option provides predictable payments and shields against market volatility. First-time buyers focused on long-term financial planning may also find this product’s unchanged rate advantageous for budgeting purposes. Given the absence of rate fluctuations, members should evaluate refinancing strategies carefully to lock in current yields and potentially reduce total interest expenses over time. Maintaining awareness of these stable rates supports informed mortgage decisions aligned with individual financial goals.
Knoxville Tva Employees
On August 29, 2025, 15-Year Fixed-Rate Mortgage refinance rates remain steady at 5.25%, showing no change over the past week but down 12.5 basis points compared to 30 days ago. This lower yield spread reduces the cost of borrowing for members seeking shorter-term refinancing options. Meanwhile, the 30-Year Fixed-Rate Mortgage refinance rate holds at 6.125%, unchanged from last week yet decreased by 25 basis points month-over-month, offering long-term borrowers improved affordability.
Members considering refinancing can benefit from these modest declines in fixed-rate yields. Those prioritizing payment stability might evaluate the 15-year fixed option with its lower rate but higher points, while borrowers aiming for lower monthly payments could consider the 30-year fixed product. Assessing current mortgage terms against these trends can guide data-driven decisions to optimize financing costs effectively.
Langley
As of August 29, 2025, Langley Credit Union reports stable mortgage rates for refinancing. The 30-Year Fixed Refinance rate remains steady at 4.99%, showing no change over the past week or month, maintaining a significant improvement from the higher yield of 6.5% recorded 30 days ago. Similarly, the 15-Year Fixed Refinance rate holds at 5.625%, unchanged in recent periods.
For members considering refinancing, these consistent rates reflect stable borrowing costs and may support strategic decisions to lock in fixed yields. The persistent spread between 15- and 30-year terms suggests evaluating your financial horizon—consider fixed-rate options if you value long-term payment stability or shorter terms to reduce total interest expense.
Given current market steadiness, members are encouraged to evaluate refinancing opportunities aligned with their goals to optimize debt service costs amid prevailing yield conditions.
Mountain America
On August 29, 2025, 15-Year Fixed Refinance rates increased by 25 basis points, rising to 5.375%, reflecting a modest uptick in the cost of borrowing over the past week. Conversely, the 30-Year Fixed Refinance rate decreased by 12.5 basis points to 6.25%, indicating a slight easing in longer-term yield spreads. Over the last 30 days, both terms show declines: the 15-year dropped by 25 basis points, while the 30-year fell by 24 basis points, suggesting a recent downward trend in refinancing costs. Members considering refinancing may find value in evaluating fixed-rate options for stability or leveraging lower long-term rates to reduce monthly payments. Careful analysis of these movements can guide strategic decisions aligned with individual financial goals and market conditions.
Onpoint Community
On August 29, 2025, the 15-year fixed refinance rate decreased by 12.5 basis points, now at a competitive 5.5%, marking a 25 basis point drop over the past 30 days. This reduction lowers the cost of borrowing for homeowners seeking shorter-term refinancing, potentially enhancing monthly cash flow and interest savings. Conversely, the 30-year fixed Homeroom refinance rate declined by 12.5 basis points week-over-week to 7.5%, though it remains elevated by 100 basis points compared to 30 days ago, increasing long-term yield spreads and overall financing costs.
Members considering refinancing should weigh the benefits of locking in the lower 15-year fixed rate for stability and quicker payoff versus the higher but longer-duration 30-year Homeroom option. Evaluating mortgage strategies with these data-driven insights can optimize financial outcomes amid fluctuating market conditions.
Randolph Brooks
On August 29, 2025, 15-year fixed refinance loans remain at a stable 5.75%, showing no change over the past week or month. This consistency supports borrowers prioritizing predictable payments and shorter amortization schedules. Conversely, the 30-year fixed refinance rate holds at 6.625%, unchanged from last week but down 12.5 basis points compared to 30 days ago, indicating a slight easing in long-term borrowing costs. Borrowers with extended timelines may find improved yield spreads favorable for cost management. Members considering refinancing should analyze these movements relative to their financial goals—fixed-rate options offer stability amid current rate steadiness, while the modest decline in 30-year rates could reduce overall interest expense. Evaluating mortgage strategies with attention to these precise rate shifts can enhance decision-making aligned with individual risk tolerance and planning horizons.
Wings Financial
As of August 29, 2025, 15-year Fixed-Rate Refinance loans offer the lowest cost of borrowing at 5.375%, unchanged over the past week but down 25 basis points compared to 30 days ago. Similarly, the 30-year Fixed-Rate Refinance loan remains steady at 6.25%, also reflecting a 25 basis point decline month-over-month. These stable yields suggest limited short-term volatility in fixed refinance rates, benefiting members aiming for predictable payment structures. For those refinancing, locking in current fixed rates may mitigate exposure to future rate fluctuations. Members should evaluate refinancing options carefully, especially if seeking to reduce long-term interest expenses or stabilize monthly payments amid evolving market conditions.
Zillow National Average
As summer fades into autumn, mortgage rates are showing signs of a gradual cooling, much like the crisp air that follows a hot day. Today, the 15-Year Fixed Rate Jumbo loan has dipped to 6.325%, down just 0.01% from yesterday and reflecting a modest decline over the past week. This slight drop can be a beacon of hope for first-time buyers who may find it easier to enter the housing market with reduced monthly payments. Meanwhile, those looking to refinance should take note: even small fluctuations in rates can lead to significant savings over the life of a loan.
For investors eyeing rental properties, it’s crucial to consider how these changes impact long-term yields; even a 0.25% increase can add thousands to your total interest costs. Now might be the time to strike while rates are still favorable, so speak with a mortgage advisor today to explore your best options. With potential Fed rate hikes on the horizon, staying informed is key as we navigate this evolving landscape.
Federal Reserve Economic Trends
As we approach the end of August, mortgage rates show intriguing shifts that could impact homebuyers and investors alike. Notably, the Mortgage 30-Year VA Average Rates increased by 0.11 points over the past week, reflecting subtle movements in inflation expectations. With the Breakeven Inflation Rate for 10-Year Treasuries steady at 2.410%, it signals a stable inflation outlook, which is crucial as it helps determine future interest rates.
For instance, a mere increase of just 0.10% in your mortgage rate could add over $20 to your monthly payment on a $300,000 loan—an important consideration for first-time buyers or those looking to refinance. The Mortgage 30-Year USDA Average Rates have notably dropped by 0.17 points over the past month, making now a strategic time for eligible buyers.
With today’s rates hovering around 6.560% for conventional loans, it’s wise to consult with a mortgage advisor about locking in your rate before potential Fed decisions lead to further changes. Stay vigilant as economic indicators evolve; they could present opportunities or challenges in your home financing journey.
Remember, whether you're buying your first home, investing long-term, or refinancing, understanding these trends can be the key to making informed decisions. Keep monitoring inflation and mortgage rates closely!
LendMesh
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Conclusion
Looking ahead, even modest changes like the 8-basis-point uptick in some 30-year fixed jumbo rates or small dips in others highlight how sensitive mortgage costs are right now—and how timing can impact your wallet. If you’re weighing refinancing, consider that every tenth of a percent shaved off your rate could trim hundreds from your monthly bill and thousands over the life of your loan. For buyers, locking in today’s competitive 4.00% 15-year fixed refinance rate from Eecu might mean more financial breathing room down the road. Keep a close eye on inflation trends too; steady expectations suggest rates aren’t likely to spike suddenly but won’t drop drastically either. Ultimately, staying informed and moving decisively when conditions align is your best strategy for turning these numbers into real savings—because when it comes to mortgages, timing isn’t just money; it’s peace of mind.