Introduction
September 13, 2025, brings a fresh breeze of opportunity for homebuyers and homeowners keeping an eye on mortgage rates. After weeks of fluctuating numbers, today’s data reveals some encouraging shifts that might just nudge you closer to locking in a great deal. Whether you’re diving into the market with a purchase or considering refinancing, understanding these subtle movements can save you hundreds each month. Notably, Affinity 857 Credit Union’s 7/6 ARM purchase loan at 4.75% stands out as the lowest rate available—down a full percentage point from last week! Meanwhile, Zillow’s jumbo loans hold steady with a 15-year fixed jumbo rate at 6.22%, showing a slight uptick but remaining competitive in this tightening market. The Federal Reserve’s latest figures echo this stability, with average 30-year fixed rates dipping modestly to 6.35%. Here’s what you need to know before locking in a rate—small changes today can make a big difference tomorrow.
New Purchase - Adjustable
Lender
Term
2025-09-13
(Current Day)
(Current Day)
2025-09-06
(7 Days Ago)
(7 Days Ago)
2025-08-29
(15 Days Ago)
(15 Days Ago)
2025-08-14
(30 Days Ago)
(30 Days Ago)
2025-07-30
(45 Days Ago)
(45 Days Ago)
2025-07-15
(60 Days Ago)
(60 Days Ago)
2025-06-15
(90 Days Ago)
(90 Days Ago)
30 yrs
4.38%
4.50%
4.75%
5.38% +100 bps
5.50% +100 bps
5.75% +100 bps
5.38% +100 bps
5.50% +100 bps
5.75% +100 bps
N/A
N/A
N/A
N/A
5 yrs
6.5 yrs
30 yrs
4.75%
4.88%
5.13%
4.88% +12.5 bps
5.00% +12.5 bps
5.38% +25 bps
4.88% +12.5 bps
5.00% +12.5 bps
5.38% +25 bps
5.00% +25 bps
5.25% +37.5 bps
5.50% +37.5 bps
5.13% +37.5 bps
5.38% +50 bps
5.63% +50 bps
5.25%
5.38%
5.75%
N/A
AFFINITY FEDERAL CREDIT UNION
On September 13, 2025, the 30-year 7/6 ARM Conventional Purchase mortgage rate stands at a competitive 4.75%, marking a significant decline of 100 basis points compared to last week’s rate of 5.75%. This yield spread compression reduces the cost of borrowing substantially for prospective homebuyers, particularly benefiting those seeking adjustable-rate options with initial fixed periods. First-time buyers may find this product increasingly attractive due to lower initial payments, while current homeowners considering purchase can leverage these improved terms. Given the absence of comparable products and the notable rate drop, members are advised to evaluate their mortgage strategy carefully, balancing potential savings against interest rate risk as the adjustable period resets. Considering fixed-rate alternatives remains prudent for borrowers prioritizing payment stability amid market fluctuations.
BAXTER CREDIT UNION
On September 13, 2025, the 5/1 Year ARM Conventional Purchase mortgage rate stands at a low 4.875%, marking a 12.5 basis points decline from both one week and one month ago. This decrease in yield spreads lowers the cost of borrowing for buyers opting for adjustable-rate financing, potentially benefiting those planning short- to medium-term homeownership. First-time buyers may find these rates advantageous for initial affordability, while existing homeowners considering purchase loans can leverage the reduced borrowing costs. Given market trends, members should evaluate refinancing options if currently locked into higher fixed rates or assess the suitability of adjustable terms versus fixed-rate alternatives based on their financial horizon and risk tolerance. Careful analysis of mortgage strategy remains essential amid fluctuating ARM yields.
NUVISION FEDERAL CREDIT UNION
On September 13, 2025, the 30-year 5/5 ARM Conforming Conventional Purchase mortgage rate stands at a notable low of 5.125%, down by 25 basis points from last week and 37.5 basis points over the past month. This downward movement reduces the cost of borrowing, potentially improving affordability for buyers opting for adjustable-rate structures. First-time homebuyers and those seeking lower initial payments may find this shift advantageous, while existing homeowners evaluating refinancing strategies should weigh the benefits of an ARM’s fluctuating yield spreads against fixed alternatives. Given current trends, members are advised to consider fixed-rate options if prioritizing payment stability or to evaluate refinancing opportunities to optimize long-term mortgage costs in response to evolving market dynamics.
Zillow National Average
As the summer winds down, mortgage rates are holding steady, with no sharp rises today. Both the 15-Year Fixed Rate Jumbo and the 30-Year Fixed Rate Jumbo remain at 6.221% and 6.370%, respectively, mirroring yesterday's figures. However, a closer look reveals subtle shifts: the 15-year jumbo has nudged up slightly by 0.03 basis points over the past week, while the 30-year option has dipped by 0.11 basis points in the last month.
For first-time buyers, even these small changes can translate into significant savings—consider that a mere 0.25% increase could add tens of thousands to a long-term mortgage. If you're thinking of refinancing or investing, now might be the moment to lock in these favorable conditions before potential rate hikes loom on the horizon.
With Zillow’s reliable data as your guide, speak with a mortgage advisor today to uncover your best options. Stay informed as market conditions evolve; the time to act is now!
Federal Reserve Economic Trends
Daily U.S. Economic Update: Inflation and Mortgage Rates on September 13, 2025
As inflation expectations remain steady, mortgage rates are showing signs of fluctuation that could influence your home-buying decisions. Today, the Mortgage 30-Year Average Rate dropped by 0.15 points over the past week, signaling a potential opportunity for buyers and refinancers alike.
When inflation trends stabilize, as seen with the Breakeven Inflation Rates, it can lead to lower interest rates. For instance, even a modest rate decrease of just 0.15% on a $300,000 mortgage can save you nearly $25 per month—adding up to significant savings over time.
Notably, the Mortgage 30-Year VA Average Rate experienced the largest decline over the past month at 0.39 points, making it an attractive option for first-time buyers or veterans looking to refinance.
For anyone considering a new mortgage or refinancing their current one, now may be a great time to lock in these favorable rates before any shifts occur due to Federal Reserve actions or economic changes.
Stay alert for future economic updates and consult with a mortgage advisor to navigate this evolving landscape effectively. Remember, timing can be everything!
LendMesh
When you picture your dream home, do you imagine a place for family gatherings or a peaceful corner to call your own? Whatever your vision, LendMesh is here to help make it a reality. We believe mortgages should be about more than just numbers; they should support your long-term goals and happiness. That’s why our partners include both well-known banks and credit unions committed to serving their local communities. Our platform is full of honest advice, straightforward comparisons, and step-by-step tools. Whenever you’re ready, head over to our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans and take the next step toward the future you deserve.
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Conclusion
As you weigh your next move in this evolving mortgage landscape, remember that even a fraction of a percentage point can transform your monthly payments and long-term savings. The recent dip in conventional ARM rates like Affinity 857’s 7/6 ARM at 4.75% offers a compelling reason to explore adjustable options if you’re comfortable with future fluctuations. For those anchored to fixed-rate security, the slight decline in national averages means now might be the moment to act before rates inch back up again. Keep an eye on those inflation signals from the Fed—they’re subtle whispers about where borrowing costs could head next. Ultimately, whether buying your first home or refinancing to lower payments, staying informed and moving decisively on favorable rates like today’s can turn uncertainty into confidence—and unlock real financial peace of mind for years to come.