Introduction
As we step into September 6, 2025, the mortgage market offers a breath of fresh air for homebuyers and homeowners alike. After weeks of slight fluctuations, rates are holding steady with some encouraging signs that could make now a great time to take action. If you’re eyeing an adjustable-rate mortgage, Credit Unions like Baxter and Navy Federal are keeping their 5/1 ARMs firm at 5.0% and 5.5%, respectively—offering solid options for those looking to balance flexibility with affordability. Meanwhile, Zillow’s data shows a gentle dip in jumbo loan rates with the 30-year fixed jumbo rate dropping just under 6.37%, making high-value purchases or refinancing more accessible. Even the Federal Reserve’s latest figures hint at easing inflation expectations, which often translates to more favorable borrowing conditions ahead. Here’s what you need to know before locking in a rate—whether you’re buying your first home, upgrading, or refinancing your current mortgage.
New Purchase - Adjustable
Lender
Term
2025-09-06
(Current Day)
(Current Day)
2025-08-30
(7 Days Ago)
(7 Days Ago)
2025-08-22
(15 Days Ago)
(15 Days Ago)
2025-08-07
(30 Days Ago)
(30 Days Ago)
2025-07-23
(45 Days Ago)
(45 Days Ago)
2025-07-08
(60 Days Ago)
(60 Days Ago)
2025-06-08
(90 Days Ago)
(90 Days Ago)
Baxter
5 yrs
5.00%
5.00%
5.00%
5.00%
5.13%
N/A
N/A
California Coast
5 yrs
7 yrs
6.50%
6.50%
6.88%
6.50%
6.50%
6.88%
6.50%
6.50%
6.88%
6.50%
6.50%
6.88%
6.50%
6.50%
6.88%
6.50%
6.50%
6.88%
N/A
Hawaiistatefcu
5 yrs
7 yrs
10 yrs
40 yrs
5.75%
5.88%
6.00%
6.00%
5.75%
5.88%
6.00%
6.00%
5.75%
5.88%
6.00%
6.00%
5.75%
5.88%
6.00%
6.00%
5.75%
5.88%
6.00%
6.00%
5.63% -12.5 bps
5.75% -12.5 bps
5.88% -12.5 bps
6.00%
5.88% +12.5 bps
6.00% +12.5 bps
6.13% +12.5 bps
6.13% +12.5 bps
Navy Federal Credit Union
0 yrs
3 yrs
5 yrs
30 yrs
5.25%
5.50%
5.25%
5.50%
5.25%
5.50%
5.25%
5.50%
5.25%
5.50%
5.25%
5.50%
5.50% +25 bps
5.75% +25 bps
Nuvision
5 yrs
5.5 yrs
6.5 yrs
30 yrs
4.88%
5.00%
5.38%
4.88%
5.00%
5.38%
5.00% +12.5 bps
5.13% +12.5 bps
5.38%
5.00% +12.5 bps
5.13% +12.5 bps
5.50% +12.5 bps
5.13%
5.38%
5.63%
5.25%
5.38%
5.75% +12.5 bps
N/A
Baxter
On September 6, 2025, the 5/1 Year ARM Adjustable Purchase mortgage rate remains steady at 5.0% with 1.0 point, showing no change over the past week or month. This stability in yield spreads means borrowing costs for adjustable-rate homebuyers are consistent, benefiting those seeking initial lower payments with potential future adjustments. First-time buyers can anticipate predictable short-term budgeting, while veterans and other segments should monitor market shifts for timing refinancing decisions. Given this static environment, members may want to evaluate refinancing options or consider fixed-rate alternatives if they prioritize payment certainty amid market fluctuations. Maintaining awareness of basis point movements is crucial for optimizing mortgage strategies in a dynamic interest rate landscape.
California Coast
As of September 06, 2025, the California-Coast Credit Union reports stable mortgage rates for adjustable-rate purchase loans. The 5/1 ARM remains at 6.50%, holding steady with no change over the past 7 or 30 days, reflecting consistent yield spreads and borrowing costs. Similarly, the 7/1 ARM maintains a rate of 6.875%, unchanged week-over-week and month-over-month. These fixed initial periods may benefit members seeking lower introductory rates with potential future adjustments. First-time buyers and those prioritizing shorter-term rate certainty should note the current stability in these ARMs. Given the flat rate environment, members are advised to evaluate their mortgage strategy carefully—consider locking in rates if prioritizing predictability or monitoring market trends for potential refinancing opportunities aligned with long-term cost efficiency.
Hawaiistatefcu
As of September 06, 2025, Hawaiistatefcu reports steady mortgage rates across all available adjustable-rate purchase loans. The 5-year ARM remains the lowest at 5.75% with 1.875 points, unchanged over the past week and month, indicating stable borrowing costs for members seeking short-term adjustable financing. Similarly, the 7-year ARM at 5.875% and both the 10-year and 40-year ARMs at 6.0% show no rate movement in recent periods, reflecting consistent yield spreads amid current market conditions.
For first-time buyers or those prioritizing rate predictability, these stable figures underscore an opportunity to evaluate adjustable-rate options carefully against fixed alternatives. Members should consider their risk tolerance and time horizon when assessing cost implications. Given unchanged rates, now may be an appropriate time to review refinancing strategies or locking in terms aligned with individual financial goals.
Navy Federal Credit Union
As of September 06, 2025, the 5/5 Conforming Adjustable-Rate Mortgage (ARM) for purchase loans remains steady at a competitive 5.50%, reflecting no change over the past 7 and 30 days. This stability in yield spreads indicates consistent borrowing costs for members considering adjustable-rate financing. First-time buyers and move-up purchasers may find this rate environment predictable, aiding in budgeting and financial planning. While refinancing options are not listed today, those with variable-rate exposure should monitor market shifts closely. Members valuing payment predictability might evaluate fixed-rate alternatives elsewhere, but for those comfortable with periodic adjustments, the current 5/5 ARM at 5.50% presents a transparent cost structure without recent volatility. Continuous assessment of mortgage strategy is advised to optimize long-term financial outcomes amid evolving market conditions.
Nuvision
On September 06, 2025, the 30-year Adjustable 5/5 ARM Conforming Purchase mortgage rate remains steady at 5.375%, unchanged over the past week but down by 12.5 basis points compared to 30 days ago. This slight yield spread compression reduces the cost of borrowing for buyers opting for adjustable-rate products, benefiting those planning to sell or refinance within five years. First-time homebuyers may find this stability advantageous amid market fluctuations, while investors should monitor potential rate resets. Given this environment, members might consider locking in current rates or evaluating their mortgage strategies—especially if they prioritize flexibility and potential savings over long-term fixed payments. Assess your financial goals carefully when deciding between adjustable and fixed-rate options.
Zillow National Average
As we step into September, mortgage rates are showing signs of stability after a period of fluctuation. Today, both the 15-Year Fixed Rate Jumbo and the 30-Year Fixed Rate Jumbo remain unchanged from yesterday at 6.189% and 6.370%, respectively. However, over the past week, the 15-Year Fixed Rate Jumbo has seen a slight dip of 0.04 basis points, marking it as a favorable option for first-time buyers looking to secure lower payments.
For those considering refinancing or investing, even minor adjustments can have significant implications on monthly costs and overall interest paid over time. A mere 0.25% increase can translate into tens of thousands of dollars over the life of a loan! With the Fed hinting at future rate hikes, now may be the time to act—especially if you're looking to lock in these favorable rates.
Whether you’re purchasing your first home or eyeing rental properties, it’s crucial to speak with a mortgage advisor today to explore your best options and ensure you don’t miss out on potential savings as market conditions continue to evolve. Stay informed; every basis point counts!
Federal Reserve Economic Trends
U.S. Economic Update: Mortgage Rates Shift Amid Steady Inflation Expectations
As of today, mortgage rates are holding steady despite recent fluctuations in inflation expectations. Notably, the Mortgage 15-Year Average Rate has dropped by 0.09 points in just one week, signaling a potential opportunity for buyers and refinancers to secure a more favorable rate.
With the Breakeven Inflation Rate for 10 years at 2.370%, inflation remains stable, which influences interest rates. For instance, even a modest increase of just 0.25% in mortgage rates can add hundreds to your monthly payment on a $300,000 loan—an important consideration for first-time buyers.
The most significant shifts over the past month have been in Mortgage 15-Year Rates, down by 0.15 points, offering an attractive option for those looking to refinance quickly. Conversely, long-term investors should remain vigilant as small changes can compound significantly over time.
For anyone considering their mortgage options, it's critical to monitor these trends closely and consult with a mortgage advisor before locking in a rate. Stay informed about the Federal Reserve's next moves that could further impact these rates—timing can make all the difference!
LendMesh
There’s something special about finding a place that truly feels like home. At LendMesh, we believe the mortgage process should be just as comforting as stepping into that dream home for the first time. Our advisors have seen it all—first-time buyers nervous about down payments, families needing more space, and even seasoned homeowners looking to refinance for a better deal. What makes us different? We bring together rates from trusted credit unions and respected banks, so you’re never left guessing if you’re missing out. Our site is built for real people, with resources that break down complex terms and calculators to show you what fits your budget. Ready to see what’s possible? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and take the guesswork out of your next move.
Conclusion
Looking forward, small shifts in mortgage rates can have a surprisingly big impact on your monthly budget and the total interest paid over the life of your loan. With today’s lowest adjustable purchase rate sitting at 5.0% from Baxter Credit Union and Jumbo fixed rates hovering near 6.37% via Zillow, there’s an opportunity to secure affordable financing if you act thoughtfully. Keep in mind that even a tenth of a percent change can add or save hundreds each month, so staying informed and ready to move is key. For buyers and refinancers alike, now might be the perfect moment to speak with your lender about locking in these competitive rates before any unexpected moves occur. Remember: patience paired with timely action can turn today’s market nuances into tomorrow’s smart savings.