Introduction
September 10, 2025 — As the leaves begin to hint at fall’s arrival, mortgage rates are showing some promising shifts that might make your dream home or refinance plan a bit more attainable. After weeks of steady movement, several credit unions are now offering lower FHA purchase rates, with Ent Credit Union leading the pack at an impressive 4.75% on their FHA 15-year fixed loan—a notable half-point drop from last week. Meanwhile, Zillow reports a slight uptick in jumbo loan rates, but don’t let that distract you. Over on the Federal Reserve’s radar, inflation expectations have nudged down slightly, easing pressure on long-term borrowing costs. Here’s what you need to know before locking in a rate: whether you’re eyeing a shorter-term FHA option or hunting for competitive 30-year fixed deals through Desert Financial or Goldenwest, this could be your moment to act smart and save big.
New Purchase - FHA 15 yrs Fixed
Lender
2025-09-10
(Current Day)
(Current Day)
2025-09-03
(7 Days Ago)
(7 Days Ago)
2025-08-26
(15 Days Ago)
(15 Days Ago)
2025-08-11
(30 Days Ago)
(30 Days Ago)
2025-07-27
(45 Days Ago)
(45 Days Ago)
2025-07-12
(60 Days Ago)
(60 Days Ago)
2025-06-12
(90 Days Ago)
(90 Days Ago)
5.00%
5.13%
+12.5 bps
5.25%
+25 bps
5.38%
+37.5 bps
5.50%
+50 bps
5.38%
+37.5 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-09-10
(Current Day)
(Current Day)
2025-09-03
(7 Days Ago)
(7 Days Ago)
2025-08-26
(15 Days Ago)
(15 Days Ago)
2025-08-11
(30 Days Ago)
(30 Days Ago)
2025-07-27
(45 Days Ago)
(45 Days Ago)
2025-07-12
(60 Days Ago)
(60 Days Ago)
2025-06-12
(90 Days Ago)
(90 Days Ago)
5.49%
5.63%
+13.5 bps
5.63%
+13.5 bps
5.75%
+26 bps
5.99%
+50 bps
5.99%
+50 bps
6.00%
+51 bps
6.00%
6.25%
+25 bps
6.25%
+25 bps
6.25%
+25 bps
6.38%
+37.5 bps
6.38%
+37.5 bps
6.50%
+50 bps
DESERT FINANCIAL CREDIT UNION
On September 10, 2025, the FHA 30 Year Fixed Purchase mortgage rate stands at a competitive 5.49%, reflecting a notable decline of 13.5 basis points compared to one week ago and 26 basis points lower than rates observed 30 days prior. This downward movement reduces the overall cost of borrowing, benefiting first-time homebuyers who often leverage FHA programs for lower down payments and more flexible credit requirements. Members considering refinancing should evaluate if locking in this improved rate aligns with their financial goals, especially given the recent tightening in yield spreads. For those prioritizing payment stability, the fixed-rate FHA loan remains a prudent choice amid fluctuating market conditions. Careful analysis of these trends can guide informed mortgage decisions tailored to individual circumstances.
ENT CREDIT UNION
On September 10, 2025, FHA 15-Year Fixed Purchase rates reached a new low of 4.75%, down 50 basis points from both last week and one month ago, reflecting a meaningful reduction in the cost of borrowing for shorter-term FHA loans. Meanwhile, the FHA 30-Year Fixed Purchase rate declined by 50 basis points over the past seven days to 5.625%, marking a notable easing compared to the previous month’s smaller decline of 37.5 basis points. These yield spreads suggest improved affordability for buyers seeking government-backed financing options, particularly first-time homebuyers prioritizing lower initial payments. Members should consider locking in fixed-rate FHA loans if stability is essential, while evaluating refinancing strategies to capitalize on current market conditions and reduce long-term interest expenses.
GOLDENWEST FEDERAL CREDIT UNION
On September 10, 2025, 15 Year Fixed FHA Mortgage rates for purchases dropped by 12.5 basis points, settling at a competitive 5.0%, the lowest rate available today. Over the past 30 days, this reflects a significant decline of 37.5 basis points, reducing the cost of borrowing for members prioritizing shorter terms and quicker equity building. Meanwhile, the 30 Year Fixed FHA Mortgage rate decreased by 25 basis points week-over-week to 5.375%, marking a notable 37.5 basis point reduction compared to one month ago, which benefits first-time homebuyers seeking longer-term stability with manageable monthly payments.
Members should consider locking in current yields amid these downward trends. Those valuing predictability may evaluate fixed-rate options, while prospective buyers and refinancers can leverage these improved spreads to optimize their mortgage strategy and reduce financing costs over time.
HUGHES FEDERAL CREDIT UNION
As of September 10, 2025, the 30-year FHA Loan (Purchase) rate stands at a competitive 5.49% with 1.0 point, marking a notable decrease of 26 basis points compared to last week and 38.5 basis points lower than 30 days ago. This downward trend reduces the overall cost of borrowing for first-time homebuyers leveraging FHA programs, potentially improving affordability amid fluctuating market conditions. Members considering new purchases can benefit from these tighter yield spreads, while those evaluating mortgage options should weigh the merits of fixed-rate stability against current market dynamics. Given this decline, it is prudent to evaluate your mortgage strategy and consider locking in rates to mitigate future volatility and optimize long-term financial outcomes.
NUVISION FEDERAL CREDIT UNION
As of September 10, 2025, the 30-Year FHA Purchase mortgage rate stands at a competitive 5.5% with 0.625 points, marking a decrease of 12.5 basis points from last week and 25 basis points over the past month. This decline in yield spreads reduces the overall cost of borrowing for first-time homebuyers leveraging government-backed options. Lower rates enhance affordability by decreasing monthly payments and total interest expense, benefiting members prioritizing long-term stability. Veterans and refinancing borrowers should monitor these trends closely to assess timing for locking in favorable fixed-rate loans. Given this downward movement, members are advised to evaluate their mortgage strategy carefully, considering fixed-rate FHA loans to capitalize on current favorable conditions while mitigating future rate volatility risks.
SCHOOLSFIRST FEDERAL CREDIT UNION
On September 10, 2025, FHA Purchase rates show notable declines. The 15-year FHA fixed-rate mortgage decreased by 25 basis points to a competitive 5.25%, reflecting improved affordability for borrowers seeking shorter-term financing. Similarly, the 30-year FHA fixed-rate purchase loan dropped by 25 basis points to 6.00%, the lowest in recent months, reducing long-term borrowing costs for first-time buyers and those with moderate credit profiles.
These yield spread compressions signal tighter cost of borrowing, potentially benefiting members planning new purchases under government-backed programs. Borrowers valuing payment stability should consider these fixed-rate options amid the declining trend. Given current market dynamics, evaluating refinancing opportunities or purchase timing could optimize financial outcomes in today’s evolving mortgage landscape.
Zillow National Average
As we dive into today's mortgage landscape, we see rates climbing like a summer sun—especially for jumbo loans. The 30-Year Fixed Rate Jumbo has experienced a sharp rise of 0.44% in just one day, pushing the rate to 6.679%, while the 15-Year Fixed Rate Jumbo also ticked up by 0.42% to 6.560%. This upward trend can be concerning for first-time buyers who may find their monthly payments swelling, as even minor adjustments can add thousands to the overall cost of a mortgage.
For refinancers and investors, it’s crucial to assess your strategy. If you're eyeing long-term rental yields or appreciation, these slight increases might prompt you to act sooner rather than later. With the Fed hinting at potential future hikes, this could be a pivotal moment—now might be the time to lock in your rates before they climb higher.
Take advantage of Zillow's real-time data and consult with a mortgage advisor today to explore your best options. Stay informed as these market conditions evolve; every basis point matters!
Federal Reserve Economic Trends
In the latest economic update, mortgage rates have taken a significant dip, particularly the Mortgage 30Yr VA Average Rates, which fell by 0.28 points over the past week. This decline is crucial as it occurs amidst fluctuating inflation expectations, with the Breakeven Inflation Rate for 10 years holding steady at 2.360% today.
As inflation trends shape interest rates, borrowers must be vigilant. For instance, a mere 0.25% increase in mortgage rates could mean an extra $45 per month on a $300,000 loan, impacting budget decisions for first-time buyers and seasoned investors alike.
The most notable shifts this month also include a substantial drop in the 30-Year FHA Average Rates, now at 6.054%. This offers an enticing opportunity for those looking to refinance or secure a new home.
It’s essential to consult with a mortgage advisor to navigate these changes effectively and consider locking in rates while they remain favorable. As we look ahead, keep your eyes peeled for economic signals that could influence future rates—timing can make all the difference!
LendMesh
For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.
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Conclusion
Looking ahead, even small rate changes can ripple through your monthly payments and total interest over time, turning thousands of dollars in savings into reality. With the lowest FHA 15-year fixed at 4.75% from Ent Credit Union and other purchase options steadily improving by up to a quarter point recently, it pays to keep your eyes peeled and your timing sharp. If you’re a buyer or refinancing homeowner, consider how these shifts align with your budget and long-term goals—locking in sooner rather than later might be the key to maximizing your financial comfort. Remember, every basis point counts when building equity or freeing up cash flow for life’s next chapter. Stay curious, stay proactive, and lean on trusted lenders who offer clarity and stability as you navigate today’s evolving market landscape.