September 26, 2025 | Lowest Fixed-Rate Conventional Mortgage at 4.99%

As of September 26, 2025, 15-Year Fixed-Rate Conventional Refinance loans are priced at 5.50%, reflecting a notable increase of 25 basis points compared to last week, yet showing a decline of 25 basis points over the past month. This yield spread suggests a moderately higher cost of borrowing in the short term for borrowers prioritizing faster equity payoff. Meanwhile, the 30-Year Fixed-Rate Conventional Refinance rate stands at 6.00%, up by 12.5 basis points from seven days ago but down 37.5 basis points from 30 days prior, indicating slightly elevated long-term financing costs but an overall easing trend compared to earlier months.

Members considering refinancing should weigh these fluctuations carefully; shorter terms may offer lower absolute rates but require higher monthly payments, while longer terms provide stability despite recent modest rate increases. Evaluating your mortgage strategy in light of these changes can help optimize long-term financial outcomes. Consider fixed-rate options if you prioritize payment consistency amid market variability.

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

As of September 26, 2025, 15-Year Fixed Refinance rates remain at 5.375%, unchanged from last week but up 25 basis points compared to one month ago. This rate continues to represent the lowest cost option among refinance products, appealing to borrowers seeking shorter-term stability and faster equity buildup despite a slight monthly yield increase. Meanwhile, the 30-Year Fixed Refinance rate rose by 12.5 basis points over the past seven days to 6.125%, marking a moderate rise in long-term borrowing costs compared to recent weeks. This upward movement may influence those prioritizing lower monthly payments but facing higher total interest over time.

Members considering refinancing should weigh these modest increases against potential savings from reduced loan terms or improved credit profiles. Evaluating fixed-rate options is advisable for borrowers valuing predictability amid rising yields. Consider refinancing if expected savings exceed associated costs.

For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of September 26, 2025, 15-Year Fixed-Rate Mortgage refinance loans remain at a stable 5.25% with 4.0 points, unchanged over the past week and month. This rate represents the lowest cost of borrowing among available options, appealing to members prioritizing shorter loan terms and predictable payments.

Conversely, the 30-Year Fixed-Rate Mortgage refinance holds steady at 5.875% with 2.0 points, showing no change in the last seven days but a notable 25 basis points decline compared to 30 days ago, reducing long-term financing costs for borrowers seeking extended amortization.

Members considering refinancing should evaluate these fixed-rate options carefully; stability in rates supports consistent budgeting while recent declines in longer-term yields may improve affordability. For detailed refinancing information, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of September 26, 2025, LANGLEY reports stable mortgage rates for refinance products. The 30-Year Fixed Refinance rate remains steady at 4.99%, unchanged over the past week and month, reflecting consistent yield spreads and borrowing costs for long-term financing. Conversely, the 15-Year Fixed Refinance rate increased by 53 basis points from last week to 5.78%, with a smaller rise of 15.5 basis points over the past 30 days. This uptick suggests higher short-term refinancing costs for members seeking accelerated payoff timelines.

For members prioritizing payment stability and cost predictability, the 30-Year Fixed Refinance at 4.99% represents the most accessible option currently available. Those with shorter-term horizons should carefully evaluate if the higher rates on the 15-year term align with their financial goals.

Consider your refinancing strategy based on these rate trends; fixed-rate options may offer value in managing long-term expenses amid fluctuating market conditions. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of September 26, 2025, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for refinance products. The Conventional Fixed 15-Year Refinance rate remains at a competitive 5.0% with 0.25 points, unchanged from one week ago, reflecting no additional cost pressure for borrowers seeking shorter-term stability. Meanwhile, the Homebuyers Choice 30-Year Fixed Refinance rate increased by 12.5 basis points to 6.625% with 0.5 points, marking a modest rise in long-term borrowing costs over the past seven days.

For members prioritizing predictable payments and lower interest exposure, the 15-year fixed refinance option at 5.0% represents the lowest yield spread in today’s market snapshot. Conversely, those considering longer amortization should weigh recent increases in the 30-year fixed rate against potential monthly savings.

Evaluate your mortgage strategy carefully; consider fixed-rate options if you value payment certainty or refinancing if projected savings surpass closing costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

On September 26, 2025, RANDOLPH-BROOKS reports steady mortgage rates for refinance products. The 15-year fixed refinance rate remains at a competitive 5.5%, unchanged from one week ago but down 25 basis points compared to 30 days prior. Similarly, the 30-year fixed refinance rate holds at 6.375%, stable over the past week and decreased by 25 basis points month-over-month. These modest declines reduce the overall cost of borrowing, benefiting homeowners seeking to lower monthly payments or shorten loan terms. Borrowers prioritizing payment stability may find the fixed-rate options advantageous amid current market conditions. Evaluating refinancing opportunities could help members optimize long-term financial outcomes if projected savings exceed associated costs. For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.

As of September 26, 2025, fixed-rate refinance options in high-cost areas remain stable. The 15-year Conforming High-Cost Area fixed refinance rate holds steady at 5.75%, unchanged from one week ago, marking the lowest rate available among today's offerings. Similarly, the 30-year fixed refinance rate remains at 6.25%, showing no change over the past seven days. These stable yields suggest limited immediate movement in borrowing costs for homeowners considering refinancing. Borrowers prioritizing shorter terms may benefit from the lower 15-year rate, while those seeking longer amortization face slightly higher but steady rates. Members should evaluate whether locking a fixed rate aligns with their financial strategy, especially if aiming to reduce interest expense over time. Consider refinancing if projected savings surpass associated fees to optimize long-term cost efficiency. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-refinance.

As of September 26, 2025, WINGS FINANCIAL reports a slight increase in mortgage refinance rates for fixed-rate loans. The 15-year fixed refinance rate stands at 5.375%, up by 12.5 basis points compared to one week ago and unchanged over the past month. Meanwhile, the 30-year fixed refinance rate is currently 6.125%, reflecting a 12.5 basis point increase from last week but a modest decline of the same magnitude compared to 30 days prior. These shifts suggest a minor rise in borrowing costs over the short term, impacting members considering refinancing options. Borrowers valuing rate stability might evaluate fixed-rate loans carefully in this environment, while those with longer-term horizons should assess whether refinancing can reduce overall interest expenses despite recent fluctuations. For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.

As of September 26, 2025, mortgage rates are showing mixed trends. The 15-Year Fixed Rate Jumbo remains unchanged at 6.343%, while the 30-Year Fixed Rate Jumbo is also steady at 6.452%. Over the past week, the 15-Year Fixed Rate Jumbo experienced a slight decline of 0.01 basis points, but it has increased by 0.13 basis points in the last month. In contrast, the 30-Year Fixed Rate Jumbo has not changed significantly over both one-day and seven-day periods. Borrowers should note these stable rates when considering their options; with the current market conditions, refinancing or securing a new mortgage may present favorable opportunities.

Inflation expectations, reflected in the Breakeven Inflation Rate, influence mortgage rates and borrowing costs. Currently, the 30-Year FHA Average Rate stands at 6.153, while the lowest mortgage rate recorded is for the 15-Year Average Rates at 5.490. Over the past week, the largest change was observed in Mortgage 15Yr Average Rates, which increased by 0.08 points. In contrast, the most significant decrease over 30 days occurred in the 30-Year VA Average Rates, dropping by 0.33 points. These fluctuations impact borrowers' affordability and choices when securing financing. Monitoring these indicators can help prospective buyers make informed decisions in a changing economic landscape.

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