Introduction
As of September 9, 2025, the mortgage landscape is showing encouraging signs for homebuyers and those looking to refinance. Across several credit unions, rates have nudged downward, offering new opportunities to save on financing costs. For example, Ent Credit Union’s VA 15-year fixed loan now stands at a competitive 4.75%, marking a notable drop of half a percentage point from last week. Zillow’s national data echoes this trend with the 30-year fixed jumbo rate easing to 6.316%, down over 11 basis points in just seven days. Meanwhile, inflation expectations, as reflected by the Federal Reserve’s breakeven inflation rates, are softening slightly — a positive signal that could help keep mortgage costs stable. If you’re thinking about locking in a rate soon, here’s what you need to know before making your move: rates are becoming more accessible but timing and loan type matter more than ever.
New Purchase - VA 15 yrs Fixed
Lender
2025-09-09
(Current Day)
(Current Day)
2025-09-02
(7 Days Ago)
(7 Days Ago)
2025-08-25
(15 Days Ago)
(15 Days Ago)
2025-08-10
(30 Days Ago)
(30 Days Ago)
2025-07-26
(45 Days Ago)
(45 Days Ago)
2025-07-11
(60 Days Ago)
(60 Days Ago)
2025-06-11
(90 Days Ago)
(90 Days Ago)
4.75%
5.00%
+25 bps
5.00%
+25 bps
5.00%
+25 bps
5.13%
+37.5 bps
5.25%
+50 bps
5.38%
+62.5 bps
5.25%
5.88%
+62.5 bps
5.88%
+62.5 bps
5.88%
+62.5 bps
6.38%
+112.5 bps
6.13%
+87.5 bps
New Purchase - VA 30 yrs Fixed
Lender
2025-09-09
(Current Day)
(Current Day)
2025-09-02
(7 Days Ago)
(7 Days Ago)
2025-08-25
(15 Days Ago)
(15 Days Ago)
2025-08-10
(30 Days Ago)
(30 Days Ago)
2025-07-26
(45 Days Ago)
(45 Days Ago)
2025-07-11
(60 Days Ago)
(60 Days Ago)
2025-06-11
(90 Days Ago)
(90 Days Ago)
6.38%
6.75%
+37.5 bps
6.75%
+37.5 bps
6.75%
+37.5 bps
5.75%
-62.5 bps
5.88%
-50 bps
6.00%
-37.5 bps
5.88%
5.99%
+11.5 bps
5.99%
+11.5 bps
6.00%
+12.5 bps
6.13%
+25 bps
6.13%
+25 bps
EDUCATORS CREDIT UNION
On September 09, 2025, the VA 15 Year Fixed Purchase mortgage rate decreased by 37.5 basis points to 5.125%, representing the most favorable yield spread among today’s VA offerings. Similarly, the VA 30 Year Fixed Purchase rate dropped by 37.5 basis points to 5.625% over the past week. These reductions in borrowing costs improve affordability for veterans and first-time buyers considering long-term homeownership.
The narrowing cost of credit on fixed-rate VA loans suggests a beneficial window for members prioritizing payment stability. Given these downward shifts, veterans evaluating purchase options may find enhanced value in locking fixed rates now. Additionally, those balancing shorter versus longer terms should weigh current yields against their financial horizon.
Members are encouraged to assess these trends carefully: consider fixed-rate programs for predictable payments and revisit your mortgage strategy to optimize long-term financial outcomes amid evolving market conditions.
ENT CREDIT UNION
On September 09, 2025, VA 15-Year Fixed Purchase rates reached a new low of 4.75%, declining by 50 basis points week-over-week and 37.5 basis points month-over-month. This tightening in yield spreads lowers the cost of borrowing for veterans seeking shorter-term stability. Meanwhile, the VA 30-Year Fixed Purchase rate also fell sharply to 5.625%, down 50 basis points from last week and 25 basis points compared to 30 days ago, enhancing affordability for long-term financing.
For veterans evaluating home purchases, these reductions improve monthly payment structures and overall loan economics. Those prioritizing predictable payments might consider fixed-rate options given the current downward trend. Refinancers should analyze potential savings against closing costs amid this favorable rate environment to optimize their mortgage strategy effectively.
NAVY FEDERAL CREDIT UNION
On September 09, 2025, VA Purchase loans demonstrated notable yield improvements. The 15-Year VA fixed rate stands at a competitive 4.75%, down 25 basis points from both one week and one month ago, reducing the cost of borrowing for veterans seeking shorter-term financing. Meanwhile, the Military Choice 30-Year VA loan has declined by 37.5 basis points over the past week to 6.375%, marking a significant easing compared to rates seen 30 days prior. These downward adjustments in rates improve affordability for military members aiming for long-term home purchases. Members should consider locking in these favorable fixed-rate options if they prioritize payment stability or reassess their mortgage strategies to capitalize on current lower yields and potentially reduce total interest expenses over time.
WASHINGTON STATE EMPLOYEES CREDIT UNION
On September 9, 2025, VA 15-Year Fixed Rate Purchase loans offer the most competitive rate at 5.25%, marking a significant decline of 62.5 basis points from last week and month, reducing the cost of borrowing notably for veterans prioritizing faster equity building. Meanwhile, VA 30-Year Fixed Rate Purchase loans stand at 5.875%, down by 11.5 basis points over seven days and 12.5 basis points over thirty days, slightly easing yield spreads for long-term buyers seeking stable payments. These downward shifts in VA loan rates may enhance affordability for veteran homebuyers and those planning new purchases. Members should consider locking in these lower fixed rates to stabilize monthly obligations or evaluate refinancing opportunities to optimize long-term financial outcomes amid current market trends.
WHATCOM EDUCATIONAL CREDIT UNION
On September 09, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 4.875%, down 25 basis points from both one week and one month ago. Similarly, the VA 30-Year Fixed Purchase rate decreased by 25 basis points to 5.75%, reflecting a notable reduction in borrowing costs over recent weeks. These declines in yield spreads suggest improved affordability for veterans seeking to purchase homes with long-term financing. For members prioritizing payment stability, the fixed-rate structure provides predictable monthly obligations amid market fluctuations. Evaluating these downward trends may benefit those considering home purchases or refinancing to optimize loan terms and reduce total interest expense. Careful assessment of current rates can support data-driven mortgage decisions aligned with individual financial goals.
Zillow National Average
As summer gives way to fall, mortgage rates are showing signs of gradual cooling, much like the crisp air that accompanies the changing season. Today, the 15-Year Fixed Rate Jumbo has dipped to 6.168%, down 0.05% from yesterday—making it a noteworthy moment for first-time buyers and refinancers alike. Over the past week, this same loan program has seen a more substantial drop of 0.17%, indicating potential savings for those looking to lock in rates now.
For first-time buyers, even small reductions can mean significant monthly savings, while long-term investors should consider how these shifts impact rental yields and property appreciation. A mere 0.25% increase can add tens of thousands in interest over a 30-year mortgage, emphasizing the importance of timing your decision.
Now may be the time to act—don’t miss out on today’s potential savings! With ongoing discussions about future Fed rate hikes, consulting with a mortgage advisor could unveil tailored strategies that align with your goals. Stay informed as this dynamic market evolves; your future home awaits!
Federal Reserve Economic Trends
As we dive into today’s economic landscape, the significant drop in Mortgage 30-Year Jumbo Average Rates stands out, plunging by an astonishing 6.51 points just in the last day. Such volatility highlights how closely intertwined inflation expectations are with interest rates, directly impacting your borrowing costs. For instance, a mere 0.25% increase in mortgage rates can translate to hundreds of dollars more in monthly payments on a typical $300,000 loan.
Over the past month, jumbo rates have seen a staggering decrease of 6.81 points, making this an opportune time for buyers and refinancers looking to secure favorable terms. With the Breakeven Inflation Rate for 10 years holding steady at 2.35%, it suggests that inflation is expected to stabilize, which could influence future rate decisions.
For first-time buyers and long-term investors alike, now is the moment to consider locking in these lower rates before any shifts occur. Consult with a mortgage advisor today to explore your options and ensure you’re prepared for any upcoming changes from the Fed.
Stay alert for economic updates—changes can happen quickly, and being proactive might save you thousands!
LendMesh
Have you ever wished someone would just simplify the mortgage process? That’s the inspiration behind LendMesh. Our team of advisors has helped buyers and homeowners from all walks of life, and we know how confusing all those rates, terms, and lender choices can be. That’s why we work with a network of credit unions and banks who share our commitment to clarity and transparency. On LendMesh, you’ll find straightforward tools, easy comparisons, and the kind of personalized support that takes the stress out of home loans. Whether you’re buying, refinancing, or just exploring your options, you’re invited to our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans where your questions are always welcome.
Conclusion
Looking ahead, it’s clear that even small shifts in mortgage rates can ripple through your monthly budget and long-term savings. A drop of just a quarter or half percent can shave hundreds off your monthly payment or thousands over the life of your loan — something every buyer or refinancer should weigh carefully. Whether you’re eyeing a VA 15-year fixed at under 5% through credit unions like Ent or considering Jumbo options trending downward nationally, now is an excellent moment to shop smart and act decisively. Stay informed about weekly rate changes and lock in when you feel confident because these subtle moves could mean the difference between stretching your finances and securing a comfortable home investment. Remember, the best rate is not just about numbers—it’s about what fits your personal goals and peace of mind in this dynamic market.