September 23, 2025 | Lowest VA 15-Year Fixed Mortgage at 4.75% Today

On September 23, 2025, Federal VA Loans for home purchases showed an upward adjustment in rates. The 15-year fixed VA loan rate rose by 12.5 basis points to 5.125%, and the 30-year fixed VA loan rate increased by 12.5 basis points to 5.625% compared to last week. These changes indicate a modest rise in the cost of borrowing for veterans seeking purchase financing. First-time buyers and veterans should note the impact on monthly payments due to these incremental yield spreads.

Given these trends, members valuing payment stability might consider locking in current fixed rates promptly. It is advisable to evaluate your mortgage strategy carefully and consider refinancing if potential savings exceed associated costs.

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

As of September 23, 2025, the 30-year fixed VA purchase loan at COLUMBIA COMMUNITY stands at a rate of 5.375%, reflecting a modest increase of 12.5 basis points compared to one week ago. This uptick in yield spreads signals a slightly higher cost of borrowing for veterans seeking to purchase homes with this government-backed product. While this change may marginally impact monthly payments, those prioritizing payment stability should still consider the benefits of fixed-rate financing amid fluctuating market conditions. First-time homebuyers and veterans might evaluate their mortgage strategy carefully, balancing immediate affordability against long-term interest expenses. Members are advised to review current rates and assess refinancing options if potential savings exceed associated costs. For details, visit https://www.columbiacu.org/home-loans/.

As of September 23, 2025, VA 15-Year Fixed Purchase loans are offered at a rate of 5.00%, up by 25 basis points compared to last week but down 25 basis points from 30 days ago. This shift increases the short-term cost of borrowing for veterans seeking faster amortization but remains lower than the longer-term fixed option. The VA 30-Year Fixed Purchase rate stands at 5.625%, rising by 12.5 basis points over the past week and decreasing by 37.5 basis points month-over-month, reflecting moderate volatility in long-term yield spreads.

For members prioritizing payment stability and long-term planning, the 15-year fixed VA loan at 5.00% represents the most cost-effective current rate. Veterans considering home purchases should evaluate these fluctuations relative to their financial horizon and loan term preferences. Given recent trends, it is prudent to assess refinancing options if the potential savings surpass associated costs, especially for those with existing higher-rate loans.

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

As of September 23, 2025, the 30-year Fixed VA Purchase mortgage rate remains steady at 5.25%, unchanged from one week ago but down 37.5 basis points compared to 30 days prior. This stability in rates suggests consistent borrowing costs for veterans and eligible buyers seeking a government-backed loan, offering predictability for long-term financial planning. The decline over the past month reflects improving yield spreads, potentially lowering monthly payments and overall interest expense for new home purchases.

Members considering a purchase should evaluate fixed-rate options if they prioritize payment stability amidst market fluctuations. Veterans may benefit from locking this rate to optimize their borrowing costs. Given recent downward trends, those weighing their financing strategy might consider timing their application to leverage these relatively favorable conditions.

For details, visit https://fccu.org/rates/home-loan-rates.

On September 23, 2025, VA 15 Year Fixed Purchase rates rose by 12.5 basis points to 5.25%, marking the lowest rate available among today’s options. Similarly, the VA 30 Year Fixed Purchase rate increased by 12.5 basis points, now at 5.875%. These incremental increases in yield spreads indicate a slight rise in borrowing costs for veterans seeking purchase loans. First-time buyers and veteran borrowers should note that while fixed-rate stability remains intact, these upward shifts may affect monthly payments and overall loan affordability. Evaluating fixed-rate options is advisable if long-term payment predictability is a priority; those considering refinancing should assess whether potential savings outweigh current rate adjustments. For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

As of September 23, 2025, 15-year VA fixed loans are offered at a rate of 5.25%, up by 37.5 basis points from last week, representing the lowest rate among today’s VA options. The 30-year VA fixed rate stands at 5.49%, increasing by 11.5 basis points over the same period. These upward shifts in yield spreads signal a modest rise in the cost of borrowing for veterans and active-duty buyers seeking long-term financing stability.

First-time homebuyers and veteran borrowers should assess how these rate adjustments influence monthly payments and total loan costs. Those with existing VA loans might evaluate refinancing viability if potential savings exceed transaction costs. Given current market dynamics, members valuing predictable payments may consider locking in fixed-rate terms to mitigate further rate volatility.

For details, visit https://www.macu.com/rates/home.

As of September 23, 2025, VA 15 Year Fixed Purchase loans hold the lowest rate at 4.75%, unchanged over the past week but down 25 basis points from 30 days ago. This decline reduces the cost of borrowing for veterans seeking shorter-term financing, offering potential savings on interest over the loan’s life. Conversely, the Military Choice 30 Year Fixed Purchase rate increased by 12.5 basis points week-over-week to 6.375%, though it remains 37.5 basis points lower than a month prior. Borrowers prioritizing long-term stability should weigh these shifts carefully; rising yields may increase monthly payments, while recent decreases could signal refinancing opportunities. Members are advised to consider fixed-rate products if they value predictable payments and evaluate refinancing only if expected interest savings exceed associated costs.

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

On September 23, 2025, 15-Year Fixed Purchase mortgage rates increased by 12.5 basis points to 4.875%, now the lowest available rate among today’s offerings. Similarly, the 30-Year Fixed Purchase rate rose by 12.5 basis points to 5.375% over the past week. These yield spread shifts indicate a modest rise in borrowing costs for new homebuyers locking in fixed terms. First-time buyers seeking shorter loan durations may find the 15-year fixed at 4.875% beneficial for reducing overall interest expense despite the slight uptick. Meanwhile, those considering longer amortization periods face higher rates, which could impact affordability and monthly payments.

Members evaluating mortgage strategies should weigh these incremental increases against their financial goals; consider fixed-rate options if stability is a priority or assess refinancing if current rates offer potential savings over existing loans. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of September 23, 2025, 15-Year Fixed Rate Purchase loans hold the lowest yield at 5.25%, unchanged over the past week but down 62.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Rate Purchase loan has decreased by 25 basis points in the last week to 5.625%, marking a cumulative decline of 37.5 basis points month-over-month. These shifts reflect modest easing in long-term borrowing costs, potentially benefiting buyers seeking predictable payments or planning to refinance. Members prioritizing payment stability may consider locking in current fixed rates, given recent downward trends; those evaluating refinancing should weigh potential savings against closing costs and loan terms. Monitoring these rates can inform mortgage strategy and optimize financing outcomes.

For details, visit https://wsecu.org/loans/mortgage-purchase.

As of September 23, 2025, VA 15-Year Fixed Purchase loans carry the lowest rate at 4.875%, rising by 12.5 basis points from last week but down 37.5 basis points compared to 30 days ago. The VA 30-Year Fixed Purchase rate increased more sharply, up 25 basis points week-over-week to 5.75%, yet remains 37.5 basis points lower than a month prior. These yield spreads suggest a modest short-term uptick in borrowing costs for veterans purchasing homes, particularly impacting longer-term commitments with higher sensitivity to rate fluctuations. Members prioritizing payment stability might consider the 15-year VA fixed option, while those seeking lower monthly payments could evaluate the implications of recent shifts in the 30-year VA fixed product. Given these dynamics, it is advisable to assess refinancing viability if potential savings outweigh associated expenses. For details, visit https://www.wecu.com/homeloans/purchase/.

As of September 23, 2025, mortgage rates are trending slightly upward for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo is now at 6.206%, up by 3 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.397%, also increasing by 3 basis points. Over the past week, the 30-Year Fixed Rate Jumbo has seen a rise of 5 basis points, indicating a mixed trend in short-term borrowing costs. However, both products have experienced declines of 20 basis points and 25 basis points, respectively, over the last month. Borrowers should consider these fluctuations as they evaluate their options in this evolving rate environment.

Recent trends in inflation expectations, indicated by the Breakeven Inflation Rates for 5-year and 10-year periods, remain stable at 2.420% and 2.370% respectively. This stability contrasts sharply with significant fluctuations in mortgage rates, particularly the Mortgage 30Yr Jumbo Average Rate, which dropped by 6.52 points today and 6.42 points over the past week. The lowest mortgage rate recorded is the Mortgage 30Yr VA Average Rate at 5.757%. These changes signal a shifting borrowing landscape, where lower rates may encourage homebuying despite persistent inflation signals. Borrowers should stay informed about rate movements to optimize their financing decisions based on these economic indicators.

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