September 18, 2025 | Jumbo Fixed Loans Hit a New Low at 4.50% Today

As of September 18, 2025, Jumbo 15 Year Fixed and Jumbo 30 Year Fixed purchase rates remain steady at 5.5% and 6.125%, respectively. Compared to one week ago, there is no change in yields; however, both rates have declined by 37.5 basis points over the past 30 days. This downward trend reduces the cost of borrowing for high-balance homebuyers seeking long-term financing. The Jumbo 15 Year Fixed at 5.5% currently offers the lowest rate option among jumbo loans, favoring those prioritizing shorter-term fixed payments and faster equity buildup. Borrowers should consider these stable rates when evaluating their mortgage strategy, especially if they value predictable payments amid market fluctuations. For members with jumbo loan needs, assessing fixed-rate options may optimize long-term financial planning.

For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.

On September 18, 2025, 15 Year Fixed Jumbo Purchase loans maintain a steady rate of 5.0%, showing no change over the past week, indicating stable borrowing costs for those seeking shorter-term jumbo financing. In contrast, the 30 Year Fixed Jumbo Purchase loan rate decreased by 12.5 basis points to 5.875%, reducing long-term financing costs for borrowers opting for extended repayment periods.

For members considering jumbo loans, the decline in the 30-year fixed rate suggests potential savings on interest over time, particularly relevant for high-value property buyers prioritizing manageable monthly payments. The unchanged 15-year rate offers predictability for those focused on faster equity build-up without increased yield spreads.

Members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is a priority and assess refinancing possibilities when long-term savings exceed transaction costs.

For details, visit https://www.aboundcu.com/community-support/get-in-touch/rates/loan-rates#:~:text=Apply%20Now-,Home%20Loan%20Rates,-Effective%20Date%3A%20August

On September 18, 2025, 15 Year , Jumbo Fixed Purchase loans offer the lowest rate at 4.875%, down 12.5 basis points from one week ago. The 30 Year , Jumbo Fixed Purchase loans have also decreased by 25 basis points to 5.75% over the same period. These rate declines reduce the cost of borrowing for jumbo loan borrowers, benefiting those seeking larger loan amounts for home purchases. Lower yields on these fixed-rate jumbo products may improve affordability but require careful consideration of long-term financial plans. Members should assess their mortgage strategy, especially if prioritizing rate stability with fixed terms. Given recent rate movements, evaluating refinancing opportunities or locking in current rates could optimize borrowing costs. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of September 18, 2025, the 15-year fixed Jumbo purchase mortgage rate has increased by 12.5 basis points to 5.00% compared to one week ago, indicating a modest rise in the cost of borrowing for shorter-term jumbo loans. The 30-year fixed Jumbo purchase mortgage remains steady at 5.875%, showing no change over the past seven days, which maintains stability for borrowers seeking longer-term financing on jumbo loans.

For members considering high-value property purchases, the uptick in the 15-year fixed Jumbo rate may slightly increase monthly payments but could still offer yield advantages over longer terms. Stability in the 30-year Jumbo rate supports predictable long-term budgeting without immediate cost increases.

Members are encouraged to evaluate their mortgage strategies carefully; those valuing payment consistency might consider fixed-rate options, while others could assess if refinancing aligns with their financial goals given current rate trends. For details, visit https://www.columbiacu.org/home-loans/.

As of September 18, 2025, Jumbo 15-Year Fixed Rate Purchase loans hold the lowest rate at 5.125% with 1.25 points, unchanged from one week ago but down 37.5 basis points compared to 15 days prior. The Jumbo 30-Year Fixed Rate Purchase remains steady at 5.875% with 1.0 point, showing no weekly change but a notable decline of 37.5 basis points over the last 15 days. These stable yields suggest a narrowing in yield spreads for jumbo fixed mortgages, impacting borrowing costs primarily for high-balance buyers. Members considering large loan amounts might evaluate fixed-rate options to secure predictable payments amid recent market fluctuations. Given these trends, borrowers should assess refinancing feasibility if potential savings exceed associated costs.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

On September 18, 2025, the 15-year Jumbo Fixed Purchase rate increased by 12.5 basis points, rising to 5.125% from last week’s 5.0%. This uptick reflects a modest rise in borrowing costs for high-value homebuyers seeking shorter terms. The 30-year Jumbo Fixed Purchase rate remains steady at 5.75%, unchanged over the past seven days, maintaining its position as the lowest available jumbo option today.

For members considering large loan amounts, the higher 15-year rate may affect monthly payments and overall interest expense; conversely, stability in the 30-year jumbo rate provides predictability for those prioritizing longer-term fixed payments. Evaluating your mortgage strategy against these trends can help balance affordability with term preferences.

Members should consider fixed-rate options if they value payment stability or assess refinancing opportunities if potential savings exceed associated costs. For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

As of September 18, 2025, 15-Year Fixed Jumbo Purchase loans hold the lowest rate at 4.5%, unchanged from one week ago but down 50 basis points from 30 days prior. This decline in yield spreads reduces the cost of borrowing for borrowers seeking shorter-term jumbo financing, benefiting those aiming to build equity faster with predictable payments. Meanwhile, the 30-Year Fixed Jumbo Purchase rate decreased by 12.5 basis points over the past week to 5.75%, marking a notable 50 basis point drop compared to one month ago. This trend may influence long-term buyers to evaluate fixed-rate options amid improving market conditions for jumbo mortgages. Members should consider locking rates if stability is preferred or review refinancing opportunities to optimize their mortgage strategy given recent downward adjustments.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of September 18, 2025, Conventional 15 Year Jumbo Fixed mortgage rates remain steady at 5.375%, marking a 25 basis points decrease over the past 30 days. This lower yield spread reduces borrowing costs for members seeking shorter-term, high-value home financing. Conversely, the Homebuyers Choice 30 Year Jumbo Fixed rate has declined by 12.5 basis points week-over-week to 6.75%, though it remains 50 basis points higher than 30 days ago, reflecting recent market volatility impacting long-term jumbo loans.

Members prioritizing payment stability may benefit from evaluating the fixed-rate options amid these fluctuations. For those considering jumbo purchases, the reduced 15-year rate presents cost-saving potential, while longer terms require careful assessment of future interest trends. Consider your mortgage strategy in light of these shifts; refinancing could be advantageous if long-term savings outweigh associated costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of September 18, 2025, 15 Year Jumbo Fixed Purchase loans hold the lowest rate at 5.375%, unchanged from last week but down 25 basis points compared to 30 days ago. This stable yield benefits borrowers seeking shorter-term commitments with predictable payments and potentially lower overall interest costs. Conversely, the 30 Year Jumbo Fixed Purchase with 100% Financing decreased by 12.5 basis points over the past week to 6.25%, marking a more substantial decline of 37.5 basis points over 30 days. This reduction in long-term rates may improve affordability for buyers requiring full financing on high-value properties, though it still carries higher borrowing costs than shorter terms. Members should evaluate fixed-rate options if prioritizing payment stability and consider refinancing when potential savings outweigh associated fees. For details, visit https://www.towerfcu.org/rates/loan-rates#:~:text=will%20be%20higher.-,First%20Mortgage%20Rates%20%2D%20Fixed,-First%20Mortgage%20Rates

As of September 18, 2025, Jumbo 15-Year Fixed purchase rates are at a competitive 5.375%, down 12.5 basis points from last week and 25 basis points lower than 30 days ago. Meanwhile, the Jumbo 30-Year Fixed purchase rate stands at 6.0%, reflecting a sharper decline of 25 basis points over the past week and a significant reduction of 50 basis points compared to one month prior. These movements reduce the cost of borrowing for high-value homebuyers, improving affordability on longer-term commitments. Members considering stability in payments may find the 15-year fixed option advantageous due to its lower yield spread and quicker principal payoff. Given these trends, evaluating refinancing strategies or locking in fixed-rate loans could optimize long-term financial outcomes, especially when market volatility is present. For details, visit https://www.wecu.com/homeloans/purchase/.

As of September 18, 2025, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo increased by 5 basis points, now at 6.299%, while the 30-Year Fixed Rate Jumbo decreased slightly by 1 basis point, settling at 6.349%. Over the past week, the 15-Year Fixed Rate Jumbo has risen by 17 basis points, indicating a potential upward trajectory in borrowing costs for this product. Conversely, the 30-Year Fixed Rate Jumbo has seen a decline of 13 basis points over the last month. Borrowers should carefully consider these fluctuations when evaluating their options and locking in rates, as changes can impact overall borrowing expenses significantly.

As of September 18, 2025, breakeven inflation rates indicate expectations for future inflation, which directly impacts mortgage rates and the overall cost of borrowing. Notably, the Mortgage 30Yr Average Rates have seen a significant decline of 6.35 points over the past week, highlighting shifting market conditions. Additionally, the Mortgage 30Yr Va Average Rates dropped by 0.53 points in the last month, while the lowest mortgage rate recorded is 5.703% for VA loans. These changes suggest a favorable environment for borrowers; however, potential homebuyers should remain vigilant about fluctuating rates and inflation forecasts that can influence their financing decisions moving forward.

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