September 17, 2025 | FHA Purchase Rates Dip to a New Low at 4.75%

As of September 17, 2025, the 15-Year FHA Purchase loan carries a rate of 5.0%, representing a decrease of 12.5 basis points compared to one week ago. This downward adjustment reduces the cost of borrowing for eligible buyers, notably first-time homebuyers seeking government-backed options with shorter terms. The improved yield spread may enhance affordability for those prioritizing lower interest expenses over longer amortization periods. Members should consider that this decline in rates could offer meaningful savings on interest payments and influence their mortgage strategy accordingly. Evaluating fixed-rate products like this FHA option is advisable for those valuing payment stability and potential long-term cost reduction. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of September 17, 2025, the FHA 30 Year Fixed Purchase mortgage rate stands at 5.375%, marking a notable decline of 11.5 basis points compared to one week ago and a more substantial drop of 37.5 basis points over the past 30 days. This downward movement in rates reduces the cost of borrowing for first-time homebuyers and those seeking government-backed financing, potentially improving monthly affordability. For members considering a new purchase with an FHA loan, this represents an opportunity to lock in more favorable yields amid recent market volatility. Given these trends, borrowers who prioritize payment stability should evaluate fixed-rate options now. Additionally, those with existing FHA loans may find refinancing advantageous if closing costs are outweighed by long-term savings. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of September 17, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 4.75%, unchanged from last week but down 50 basis points over the past 30 days, reflecting a notable easing in borrowing costs for shorter-term FHA buyers. Meanwhile, the FHA 30-Year Fixed Purchase rate decreased by 12.5 basis points week-over-week to 5.50%, marking a 50 basis point decline compared to 30 days ago. These rate shifts reduce monthly payment obligations for first-time homebuyers utilizing FHA financing, improving affordability amid persistent market volatility. Members considering long-term stability may prioritize fixed-rate options to lock current yields, while those evaluating purchase timing should monitor ongoing yield spreads. Given recent trends, it is prudent to assess mortgage strategies and consider refinancing if projected savings justify transaction costs.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

On September 17, 2025, the 30-year FHA Purchase loan rate stands at a competitive 5.25%, marking a notable decline of 37.5 basis points from both one week and one month ago. This reduction in yield spreads decreases the overall cost of borrowing for first-time homebuyers relying on government-backed financing. For members considering entry into the housing market, this lower fixed rate enhances affordability by reducing monthly payments compared to recent periods. While refinancing options are not listed today, borrowers should evaluate their mortgage strategy in light of these rate movements. Those prioritizing payment stability may benefit from locking in fixed rates at current levels. Consider refinancing if potential savings surpass associated costs. For details, visit https://fccu.org/rates/home-loan-rates.

As of September 17, 2025, the 30-year FHA Loan (Purchase) rate remains steady at 5.49%, unchanged over the past week but down by 38.5 basis points compared to 30 days ago. This stable yield suggests consistent borrowing costs for first-time homebuyers and those relying on government-backed financing. The absence of recent rate increases supports predictable monthly payments, which may benefit buyers prioritizing long-term budget stability. Members should evaluate their mortgage strategy in light of these rates; considering fixed-rate options can provide payment certainty amid market fluctuations. Additionally, given the notable decrease over the last month, potential borrowers might explore purchase opportunities or refinancing scenarios to optimize cost efficiency. For details, visit https://www.hughesfcu.org/financial-guide/rates-and-fees#:~:text=Estate%20Loan%20Rates-,MORTGAGE%20LOANS,-Rate%20Type.

As of September 17, 2025, the 30-year FHA Fixed Purchase mortgage rate remains steady at 5.625%, showing no change compared to one week ago. This stability in rates translates to consistent yield spreads and borrowing costs for first-time buyers relying on government-backed loans. With no recent fluctuations, members can better anticipate monthly payment amounts without concern for sudden rate increases.

For individuals considering home purchases under the FHA program, this fixed rate offers predictability in long-term financing. Since there is no increase over the past 7 days, evaluating fixed-rate options remains prudent for those prioritizing budget certainty.

Members should continue to assess their mortgage strategy based on current market conditions; given unchanged rates, it may be advantageous to explore FHA financing if eligible or prepare for future refinancing opportunities when rates adjust. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

On September 17, 2025, the 15-year FHA Purchase mortgage rate decreased by 12.5 basis points to 4.75%, marking the lowest rate in this category over the past 60 days. This reduction lowers the cost of borrowing for buyers prioritizing shorter loan terms and may benefit those aiming to build equity faster. The 30-year FHA Purchase rate held steady at 5.25%, showing no change week-over-week, maintaining consistent yield spreads for longer-term affordability.

For first-time buyers seeking lower upfront costs, the decline in the 15-year FHA rate improves monthly payment potential without added points. Veterans and borrowers evaluating refinancing should monitor these shifts closely; a stable 30-year FHA rate offers predictability, while the drop in the 15-year option could prompt reconsideration of term lengths.

Members are advised to evaluate fixed-rate products if stability is preferred and consider refinancing when interest savings outweigh associated fees. For details, visit https://www.macu.com/rates/home.

As of September 17, 2025, the 30-Year FHA Purchase mortgage rate remains steady at 5.5%, unchanged from one week ago and down 25 basis points compared to 30 days prior. This stabilization in rates suggests a modest easing in the cost of borrowing for first-time homebuyers and those leveraging government-backed loans. For members evaluating purchase options, this consistent yield spread may support more predictable budgeting over the loan term. Given the current rate environment, borrowers focused on long-term fixed-rate stability should consider locking in rates now, while monitoring market shifts that could influence refinancing decisions. Assess your mortgage strategy with an emphasis on potential savings against refinancing costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

On September 17, 2025, the 30-year FHA Purchase Loan rate stands at a low 5.125% with 1.0 point, marking a 12.5 basis points decrease from one week ago. This reduction in yield spreads lowers the cost of borrowing for first-time homebuyers relying on government-backed financing. Over the past 30 days, data is unavailable for comparison; however, compared to 60 days ago, rates have improved significantly from 5.75%. Members considering an FHA purchase loan may find this a favorable environment to lock in a fixed rate, enhancing payment stability over the long term. Evaluating your mortgage strategy with current rate trends can support more informed decisions; for example, fixed-rate options provide predictability amid fluctuating markets.

For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851

As of September 17, 2025, FHA Purchase loans maintain stable rates with the 15-Year Fixed program at 4.75% and the 30-Year Fixed program at 5.25%, showing no change from one week ago. The absence of recent fluctuations in these government-backed mortgage rates suggests steady yield spreads and borrowing costs for first-time homebuyers relying on FHA financing.

Members seeking predictability may favor the 15-Year Fixed FHA loan, which currently offers the lowest rate available today. Given the stability, prospective buyers should assess their long-term affordability and consider fixed-rate options if they prioritize payment consistency. Evaluating refinancing remains prudent when potential savings exceed transaction costs, particularly as rates remain unchanged.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of September 17, 2025, FHA 15 Year Purchase loans offer the lowest rate at 5.125%, down 12.5 basis points from last week and 37.5 basis points below the rate 30 days ago. This decline reduces the overall cost of borrowing for buyers seeking shorter-term financing with government backing. In contrast, the FHA 30 Year Purchase loan remains steady at 6.00%, unchanged over the past week but down 25 basis points compared to a month prior, maintaining a consistent yield spread for longer-term affordability.

Members considering first-time home purchases may benefit from locking in the lower rates on the 15-year FHA option if they prioritize faster equity build-up and lower total interest expense. Conversely, those seeking payment stability might evaluate the 30-year FHA purchase product given its recent rate steadiness.

Given these movements, members should assess their mortgage strategy carefully; fixed-rate options remain attractive for predictability, while evaluating refinancing opportunities may reduce long-term costs if savings exceed associated fees.

For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of September 17, 2025, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo increased to 6.247%, up by 5 basis points from yesterday and 6 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo slightly rose to 6.357%, reflecting only a minimal increase of 1 basis point from the previous day but a decline of 18 basis points in the last month. Borrowers should note that while shorter-term loans like the 15-Year Fixed Rate Jumbo are seeing upward pressure, longer-term options may offer more favorable conditions compared to recent weeks. Monitoring these trends can aid borrowers in making informed decisions regarding their mortgage options.

As of September 17, 2025, inflation expectations, indicated by the Breakeven Inflation Rates, remain stable, with the 10-Year rate at 2.370% and the 5-Year rate at 2.420%. These rates suggest a steady outlook for inflation, which typically influences mortgage rates and borrowing costs. The most significant recent decline is seen in the Mortgage 30Yr Average Rates, down 6.75 points over the past 60 days; however, the lowest mortgage rate currently is for the Mortgage 30Yr FHA Average Rate at 5.981%. Notably, there are minor fluctuations in other mortgage rates, including a 0.50-point drop in the Mortgage 30Yr VA Average Rate over the past month. Borrowers may benefit from current trends as they seek to secure favorable financing options.

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