September 25, 2025 | Jumbo Fixed 15-Year Loan Hits New Low at 4.75%

As of September 25, 2025, Jumbo 15 Year Fixed mortgage rates for purchase loans stand at 5.75% with 0.25 points, marking a modest increase of 12.5 basis points compared to last week and unchanged from 30 days ago. Meanwhile, the Jumbo 30 Year Fixed rate is currently 6.375% with 0.125 points, rising by 25 basis points week-over-week but down by 12.5 basis points from one month prior.

These movements indicate a slight uptick in short-term borrowing costs for jumbo loan buyers, particularly impacting those seeking longer amortization periods. Borrowers prioritizing payment stability may find the 15-year fixed option attractive despite the recent yield increase, while the 30-year fixed remains subject to greater rate volatility.

Members should carefully assess their financing horizon and consider locking rates if extended market fluctuations are a concern. For individuals weighing refinancing options, analyzing potential savings against current rate trends is advisable to optimize long-term cost efficiency.

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

On September 25, 2025, ALTURA reports a modest increase in jumbo fixed mortgage rates for purchase loans. The 15 Year Jumbo Fixed rate rose by 12.5 basis points, now at 5.00%, while the 30 Year Jumbo Fixed rate increased by the same margin to 5.875%. Despite these weekly upticks, both rates remain notably lower compared to 30 days ago, down by 61.5 bps and 50 bps, respectively, reflecting recent easing in borrowing costs.

These shifts influence cost calculations for borrowers seeking jumbo loans; shorter-term fixed options maintain the lowest yield, favoring those prioritizing quicker payoff and interest savings. For members evaluating financing strategies, considering fixed-rate products may provide stability amid fluctuating market yields. Additionally, refinancing could be advantageous if long-term savings surpass upfront costs.

For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of September 25, 2025, 15-Year Fixed Purchase mortgage rates have declined by 37.5 basis points over the past week to 5.125%, marking the lowest rate available today. Similarly, the 30-Year Fixed Purchase rate also dropped by 37.5 basis points to 5.875%, reflecting a notable reduction in borrowing costs compared to last week and the past month.

These downward adjustments in fixed-rate mortgages can benefit homebuyers prioritizing predictable payments, especially first-time buyers seeking long-term stability. The reduced yield spreads may also prompt current borrowers to evaluate refinancing opportunities to lower monthly obligations or shorten loan terms.

Members should consider their financial goals carefully; those valuing payment consistency might find fixed-rate options advantageous in the current environment, while others might assess whether refinancing costs justify potential savings.

For details, visit https://www.certifiedfed.com/rates-2/#real_estate.

On September 25, 2025, COLUMBIA COMMUNITY reports a rise in mortgage rates for Jumbo fixed-rate purchase loans. The 15-year Jumbo fixed rate increased by 12.5 basis points to 5.125%, reflecting a modest uptick in borrowing costs for shorter-term jumbo buyers. Meanwhile, the 30-year Jumbo fixed rate rose by 25 basis points to 6.125%, marking the highest cost among today’s offerings and indicating wider yield spreads for longer terms.

These rate increases may influence high-balance homebuyers weighing their financing options; shorter terms carry lower rates but higher monthly payments, while the longer 30-year term now entails more substantial interest expenses. Members should consider their long-term financial strategy, those valuing payment stability might prioritize fixed-rate loans despite the recent rise. Evaluating refinancing opportunities remains prudent if potential savings exceed associated fees.

For details, visit https://www.columbiacu.org/home-loans/.

As of September 25, 2025, the 30-year Fixed Jumbo Mortgage rate for new purchases remains steady at 5.25%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This slight yield spread reduction lowers the overall cost of borrowing for high-value property buyers, potentially improving affordability in the jumbo loan segment. Members considering jumbo loans can benefit from current stability in rates after recent declines, which may support more predictable long-term payment planning. For those evaluating mortgage strategies, fixed-rate options offer rate certainty amid fluctuating market conditions. Assess your financial goals and loan terms carefully; refinancing could be advantageous if potential savings outweigh associated costs. For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

As of September 25, 2025, DESERT FINANCIAL reports that the Jumbo 15 Year Fixed Rate Purchase mortgage stands at 5.375% with 1.125 points, rising by 12.5 basis points (bps) over the past week but down 12.5 bps compared to 30 days ago. This increase in short-term yield spreads may slightly raise borrowing costs for high-net-worth buyers seeking shorter amortization periods. Meanwhile, the Jumbo 30 Year Fixed Rate Purchase remains steady at 6.0% with 1.125 points, unchanged week-over-week but decreased by 37.5 bps from a month prior, indicating improved affordability for long-term financing.

Members prioritizing payment stability should consider these fixed-rate options carefully; those eligible for jumbo loans might evaluate locking in current rates given recent fluctuations. From a strategic standpoint, assessing refinancing feasibility is advisable when potential savings exceed associated costs.

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

As of September 25, 2025, 15-Year Fixed Jumbo Purchase rates have risen by 25 basis points to 4.75%, marking a modest increase from last week but a slight decrease over the past month. This uptick may raise borrowing costs for buyers seeking shorter-term jumbo loans, potentially impacting monthly payments and total interest outlay. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains steady at 5.875%, unchanged from seven days ago but down 37.5 basis points compared to 30 days prior. Longer-term jumbo borrowers benefit from this decline in yield spreads, which could lower long-term financing expenses.

Members considering jumbo purchases should evaluate fixed-rate options carefully; stability with the 30-year term contrasts with recent volatility in shorter durations. Given these movements, it is prudent to assess mortgage strategy based on individual financial goals and market trends. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of September 25, 2025, Navy Federal Credit Union reports a slight increase in mortgage rates for jumbo loan products. The 15-year Fixed Conventional Jumbo rate rose by 12.5 basis points, now at 5.50%, down 12.5 basis points from 30 days ago, indicating some recent easing in cost of borrowing compared to last month. Similarly, the 30-year Fixed Homebuyers Choice Jumbo rate increased by 12.5 basis points to 6.875%, but remains notably lower by 37.5 basis points versus 30 days prior.

These movements suggest borrowers seeking long-term stability should carefully assess fixed-rate jumbo loans amid modest yield spread fluctuations. For members financing high-value properties, evaluating current rates against recent trends can inform decisions on locking in terms or delaying purchases.

Consider your mortgage strategy in light of these changes; refinancing may be advantageous if potential savings outweigh associated costs.

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

As of September 25, 2025, mortgage rates are mixed, with the 15-Year Fixed Rate Jumbo rising to 6.172%, an increase of 0.07 basis points from one day ago, while the 30-Year Fixed Rate Jumbo is at 6.375%, up by 0.05 basis points. Over the past week, the 15-Year Fixed Rate Jumbo experienced a decline of 0.14 basis points, indicating volatility in short-term borrowing costs. In the last month, both products have shown a downward trend; notably, the 15-Year Fixed Rate Jumbo has decreased by 0.17 basis points. Borrowers should consider these fluctuations when evaluating their mortgage options, as even minor changes can affect overall borrowing costs significantly.

Inflation expectations, as indicated by the Breakeven Inflation Rates for 5-Year and 10-Year periods, remain stable at 2.420% and 2.380%, respectively, suggesting moderate inflation outlooks that can influence borrowing costs. The Mortgage 30Yr Average Rates saw the largest decline of 6.26 points over the past week, now significantly higher than the lowest rate recorded at 5.857% for VA loans. Over 30 days, the most considerable drop was in VA Average Rates, down by 0.28 points. These shifts highlight a potential easing in borrowing conditions; however, borrowers should remain vigilant about rate trends to optimize financing options effectively.

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