Introduction
September 2, 2025, brings fresh clarity to the mortgage landscape, offering hopeful news for homebuyers and veterans eyeing their next move. If you’ve been watching rates closely, today’s updates from Credit Unions, Zillow, and the Federal Reserve show pockets of stability with some promising dips in VA loan rates. For instance, Navy Federal Credit Union is holding firm at a 5.0% rate on their VA 15-year fixed, the lowest across our credit union data—an encouraging beacon for military families looking to purchase. Meanwhile, Zillow’s jumbo loan averages tell a slightly different story with the 15-year fixed jumbo rate easing to 6.299%, nudging down by nearly five basis points this week. Inflation expectations remain steady, signaling a balanced economic backdrop as buyers consider locking in rates. Whether you’re refinancing or purchasing your dream home, these subtle shifts could mean meaningful savings over time. Here’s what you need to know before locking in a rate that fits your goals and wallet.
New Purchase - VA 15 yrs Fixed
Lender
2025-09-02
(Current Day)
(Current Day)
2025-08-26
(7 Days Ago)
(7 Days Ago)
2025-08-18
(15 Days Ago)
(15 Days Ago)
2025-08-03
(30 Days Ago)
(30 Days Ago)
2025-07-19
(45 Days Ago)
(45 Days Ago)
2025-07-04
(60 Days Ago)
(60 Days Ago)
2025-06-04
(90 Days Ago)
(90 Days Ago)
Educators 67611
5.50%
5.50%
Ent
5.25%
5.25%
5.25%
5.25%
5.25%
5.25%
Goldenwest
5.88%
5.99%
+11.5 bps
6.00%
+12.5 bps
6.00%
+12.5 bps
6.00%
+12.5 bps
Hapo Community
5.38%
5.38%
5.38%
5.63%
+25 bps
Navy Federal Credit Union
5.00%
5.00%
5.13%
+12.5 bps
5.25%
+25 bps
5.25%
+25 bps
5.38%
+37.5 bps
Whatcom Educational
5.13%
5.13%
5.13%
5.38%
+25 bps
5.38%
+25 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-09-02
(Current Day)
(Current Day)
2025-08-26
(7 Days Ago)
(7 Days Ago)
2025-08-18
(15 Days Ago)
(15 Days Ago)
2025-08-03
(30 Days Ago)
(30 Days Ago)
2025-07-19
(45 Days Ago)
(45 Days Ago)
2025-07-04
(60 Days Ago)
(60 Days Ago)
2025-06-04
(90 Days Ago)
(90 Days Ago)
American Heritage
5.99%
5.99%
5.99%
6.25%
+26 bps
6.25%
+26 bps
6.50%
+51 bps
Educators 67611
6.00%
6.00%
Ent
6.13%
6.13%
6.00%
-12.5 bps
6.00%
-12.5 bps
6.00%
-12.5 bps
6.00%
-12.5 bps
First Community 66818
5.63%
5.63%
5.63%
Goldenwest
5.75%
5.75%
5.75%
5.88%
+12.5 bps
5.99%
+24 bps
Hapo Community
6.00%
6.00%
6.00%
6.13%
+12.5 bps
6.13%
+12.5 bps
6.13%
+12.5 bps
Nasa
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.88%
+12.5 bps
6.00%
+25 bps
5.88%
+12.5 bps
Navy Federal Credit Union
6.75%
6.75%
6.88%
+12.5 bps
5.88%
-87.5 bps
5.88%
-87.5 bps
6.00%
-75 bps
Newport News Shipbuilding Employees
5.75%
5.88%
+12.5 bps
5.88%
+12.5 bps
5.99%
+24 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
6.00%
+37.5 bps
Whatcom Educational
6.00%
6.00%
6.00%
6.25%
+25 bps
6.25%
+25 bps
American Heritage
On September 2, 2025, the 30 Year VA Purchase mortgage rate remains steady at 5.99%, unchanged over the past week but down by 26 basis points compared to 30 days ago. This stability benefits veterans seeking predictable borrowing costs for home purchases, while the month-over-month decline reflects improved yield spreads and lower cost of borrowing relative to early July. Members considering VA loans should evaluate their timing carefully; consistent rates suggest a favorable environment for locking in fixed payments. For veterans prioritizing long-term financial planning, fixed-rate VA loans continue to offer transparency and cost certainty amid recent market fluctuations. Monitoring these trends can aid in optimizing mortgage strategies aligned with individual financial goals.
Educators 67611
On September 02, 2025, VA Purchase Loan rates remain stable with the 15 Year Fixed VA at 5.5% and the 30 Year Fixed VA at 6.0%, showing no change in yield spreads over the past week. This stability indicates a consistent cost of borrowing for veterans considering home purchases. The 15 Year Fixed VA, offering the lowest rate, may benefit borrowers prioritizing accelerated equity buildup and reduced interest expense. Meanwhile, the unchanged 30 Year Fixed VA supports long-term affordability with predictable payments. Members should assess their mortgage strategy carefully—those valuing payment stability might consider fixed-rate options, while veterans evaluating purchase timing can rely on steady rates to plan financing effectively. Continued monitoring of rate trends is advisable to optimize borrowing decisions.
Ent
As of September 02, 2025, VA 15-Year Fixed Purchase loans remain at a stable 5.25%, showing no change over the past week or month. This steady rate supports veterans seeking shorter-term financing with predictable payments and lower yield spreads compared to longer terms. Conversely, the VA 30-Year Fixed Purchase rate holds at 6.125%, unchanged from last week but up by 12.5 basis points versus 30 days ago, indicating a modest increase in the cost of borrowing for long-term commitments. For veterans evaluating their mortgage strategies, those prioritizing payment stability might consider the fixed 15-year option, while others should assess whether the recent uptick in the 30-year rate impacts their refinancing or purchase plans. Monitoring these trends can inform decisions around refinancing timing and loan term selection to optimize financial outcomes.
First Community 66818
On September 02, 2025, the 30-year VA Purchase Loan maintains a steady rate at 5.625%, showing no change over the past 7 days. This stability in yield spreads means borrowing costs for veterans remain consistent, supporting predictable budgeting for homebuyers utilizing VA benefits. For veterans entering the market, this fixed-rate option offers reliable financing without recent upward pressure on rates. Given the unchanged mortgage environment, members should assess whether locking in current rates aligns with their long-term financial plans. Those valuing payment certainty may consider fixed-rate loans, while others might explore refinancing opportunities to optimize their cost of borrowing based on personal circumstances and market conditions.
Goldenwest
As of September 2, 2025, the 30 Year Fixed VA Mortgage rate for purchases remains steady at 5.75%, unchanged from last week but down 12.5 basis points compared to 30 days ago, reflecting a modest reduction in long-term borrowing costs for veterans. Meanwhile, the 15 Year Fixed VA Mortgage rate decreased by 11.5 basis points over the past week to 5.875%, marking the lowest rate among today's VA options and signaling improved affordability for those prioritizing shorter loan terms.
These shifts suggest a stable yield environment with slight easing in rates that can benefit veterans seeking either extended payment periods or accelerated payoff schedules. Members should consider locking in fixed-rate products if they value predictability amid market fluctuations and evaluate refinancing strategies to capitalize on recent cost reductions. Data-driven decisions will optimize mortgage expenses in this evolving rate landscape.
Hapo Community
As of September 2, 2025, VA Purchase Loans show steady yield spreads with no change over the past week. The 15-Year Fixed VA Purchase rate remains at a competitive 5.375%, marking a 25 basis points decrease from 30 days ago, benefiting veterans seeking shorter-term financing with predictable payments. Meanwhile, the 30-Year Fixed VA Purchase rate holds at 6.00%, reflecting a 12.5 basis points decline over the last 30 days, which could lower long-term borrowing costs for those prioritizing extended repayment horizons.
For members evaluating mortgage strategies, these stable to declining rates suggest that fixed-rate VA loans continue to offer cost-effective options. Veterans and first-time homebuyers should consider locking in rates now, while also assessing refinancing opportunities to optimize loan terms amid these favorable trends.
Nasa
On September 02, 2025, the 30-Year Fixed Rate VA Purchase mortgage is priced at a competitive 5.75%, reflecting a decrease of 12.5 basis points compared to one week ago and the past 30 days. This downward movement in yield spreads lowers the cost of borrowing for eligible veterans and first-time buyers using VA-backed loans. The reduced rate enhances affordability, potentially improving purchasing power while locking in long-term stability. Members considering new home purchases with VA financing should evaluate this fixed-rate option carefully, especially if prioritizing predictable payments over adjustable terms. Given current trends, it may also be prudent to assess refinancing opportunities to capitalize on recent rate declines and optimize long-term mortgage expenses.
Navy Federal Credit Union
As of September 02, 2025, VA 15 Year Purchase loans maintain the lowest rate at 5.0% with a minimal rise of +0.00 percentage points (0 bps) over the past week and a notable decline of -12.5 bps compared to 30 days ago, indicating a moderate reduction in borrowing costs for veterans seeking shorter-term financing. Meanwhile, the Military Choice 30 Year Purchase program holds steady at 6.75%, unchanged week-over-week but down by -12.5 bps month-over-month, reflecting improved yield spreads for longer-term commitments.
These stable yet slightly declining rates suggest potential cost savings for members considering purchase options under VA-backed loans. Veterans and first-time buyers should evaluate fixed-rate products to lock in current yields, while those with existing mortgages might review refinancing opportunities to reduce long-term interest expenses amid this modest downward trend.
Newport News Shipbuilding Employees
On September 2, 2025, the 30-Year VA Loan purchase rate stands at a competitive 5.75% with 1.0 point, marking a decline of 12.5 basis points compared to last week and a total reduction of 24 basis points versus 30 days ago. This downward movement in yield spreads lowers the cost of borrowing for veterans and eligible buyers, enhancing affordability on new home purchases. For members considering VA financing, this trend favors locking in current fixed rates to secure predictable payments amid modest market fluctuations. Evaluating your mortgage strategy in light of these shifts can help optimize long-term financial outcomes. Those valuing payment stability should consider fixed-rate options, while others may assess timing for potential refinancing opportunities as rates evolve.
Nuvision
As of September 2, 2025, the 30-Year VA Purchase loan offers a competitive rate of 5.625% with 1.25 points, marking a decline of 12.5 basis points compared to last week and a more substantial reduction of 37.5 basis points over the past 30 days. This downward trend in yield spreads decreases the overall cost of borrowing for veterans seeking to purchase homes, improving affordability in the current market environment.
For veterans and first-time buyers relying on VA financing, these lower rates may enhance purchasing power, while those considering refinancing might find it prudent to evaluate potential savings against closing costs. Given these movements, members should consider fixed-rate options if prioritizing payment stability or assess refinancing strategies to optimize long-term financial outcomes amid shifting interest rates.
Whatcom Educational
On September 2, 2025, the VA 15-Year Fixed Purchase loan holds the lowest rate at 5.125%, unchanged over the past week but down 25 basis points compared to 30 days ago. This reduction in yield spread lowers the cost of borrowing for veterans seeking shorter-term financing. The VA 30-Year Fixed Purchase remains steady at 6.0%, also flat week-over-week and down 25 basis points from a month prior, benefiting those prioritizing longer amortization schedules.
For veterans considering new purchases, stable rates with moderate month-over-month declines suggest evaluating fixed-rate options for predictable payments. Members should assess their mortgage horizon and refinance potential, focusing on locking in current yields to optimize long-term financial outcomes amid recent market steadiness.
Zillow National Average
As summer begins to fade, mortgage rates are experiencing subtle shifts that could impact your home-buying journey. Today, the 15-Year Fixed Rate Jumbo has seen a sharp rise of 0.07%, while the 30-Year Fixed Rate Jumbo remains relatively stable, just slightly up by 0.04%. Over the past week, however, the 15-Year Fixed Rate Jumbo has actually cooled down by 0.05%, indicating a fluctuating market where opportunities may arise for savvy borrowers.
For first-time buyers, even a modest rate drop can translate into significant monthly savings—think of it as finding extra cash in your pocket every month. If you're considering refinancing or investing in rental properties, those small shifts can greatly affect your long-term costs and potential returns. Remember, a mere 0.25% increase on a 30-year loan can add tens of thousands to your total payments.
Given these trends, now may be the time to lock in favorable rates before potential future increases from the Fed. Don’t miss out on today’s potential savings! Consult with a mortgage advisor to explore your best options tailored to your goals. As market conditions evolve, staying informed will empower you to make smart financial decisions in this dynamic landscape.
Federal Reserve Economic Trends
As of September 2, 2025, today's economic landscape is shifting dramatically, particularly in the realm of mortgage rates and inflation expectations. The Breakeven Inflation Rate for 5-Year Treasuries saw a significant drop of 2.47 points in just one day, hinting at changing investor sentiment and potential shifts in monetary policy.
With inflation trends directly influencing interest rates, these recent movements are crucial for anyone looking to buy or refinance. For instance, a mere 0.25% increase in mortgage rates can add hundreds to your monthly payment over a 30-year loan, making timing everything when locking in rates.
The standout performer this week was the Mortgage 30-Year Jumbo Average Rates, plummeting by 6.80 points over the past seven days—this is a golden opportunity for buyers with larger loans to capitalize on lower costs.
For first-time buyers, now may be the time to consult with a mortgage advisor about options tailored to your needs. Long-term investors should also keep an eye on these fluctuations, as even slight changes can impact overall investment strategies.
Stay alert for upcoming economic developments and Federal Reserve decisions that could further sway rates. Remember, consulting with a mortgage advisor could make all the difference—don’t wait too long!
LendMesh
Every homeowner’s journey is different, but almost all of us remember that mix of excitement and uncertainty when it’s time to find the right mortgage. At LendMesh, we know the process can be overwhelming—that’s why we’ve created a place where you can get honest guidance, side-by-side rate comparisons, and direct access to lending partners who put your needs first. We work with a nationwide network of credit unions and banks, offering options you might not find anywhere else. Think of us as your financial co-pilot, here to help you make decisions with confidence. When you’re ready to explore what’s possible, visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s turn those dreams of homeownership into reality, one step at a time.
Conclusion
As you weigh your mortgage options today, remember that even small changes in interest rates can ripple through your monthly budget and total loan costs. A difference of just a quarter percent might seem minor but could translate into hundreds of dollars saved or spent annually. With VA 15-year fixed rates as low as 5.0% at Navy Federal and slight declines seen in jumbo loan offerings, now is a smart moment to revisit your financing plans—whether buying new or refinancing existing debt. Keep an eye on inflation trends reported by the Fed too; they often hint at where mortgage rates may head next. My best advice? Take advantage of this window while it lasts, get pre-approved early if possible, and don’t hesitate to ask lenders about rate locks or float-down options to protect your deal. The market’s subtle shifts are like gentle waves—timing your move right can carry you closer to shore with less financial stress and more confidence in your homeownership journey.