September 27, 2025 | Lowest 7/6 ARM Purchase Rate Holds Steady at 4.75%

On September 27, 2025, the 7/6 ARM Adjustable Rate Mortgage for purchase loans remains steady at a competitive 4.75%, showing no change from one week ago but a significant decline of 100 basis points compared to 30 days prior. This reduction in yield spreads lowers the cost of borrowing for buyers opting for adjustable rates, potentially benefiting those who anticipate selling or refinancing before the fixed-rate period ends. First-time buyers may find this product advantageous due to its lower initial rate, though they should evaluate interest rate risk beyond the initial term. Given the recent rate contraction, members should consider their mortgage strategy carefully and assess whether locking in current rates or exploring fixed-rate options better aligns with their financial plans. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of September 27, 2025, the 7/6m ARM Adjustable-Rate, Conventional Purchase mortgage holds steady at 5.125%, unchanged from one week ago. This stability in rate means no increase in borrowing costs for members considering adjustable-rate mortgages for new home purchases. While the fixed nature of these rates over the initial seven years offers predictability, borrowers should remain aware that adjustments post-period could affect monthly payments depending on market movements. First-time buyers and those seeking to optimize short-term cash flow may find this product aligns with current market conditions. Given the unchanged yield spread, it is prudent to evaluate your long-term mortgage strategy carefully; consider fixed-rate alternatives if you prioritize payment stability or assess refinancing options if future rate fluctuations impact affordability. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

As of September 27, 2025, the 5/1 Year Adjustable Rate Mortgage (ARM) for new purchases remains steady at 4.75% with 1.000 points, unchanged over the past week but down 25 basis points compared to 30 days ago. This yield contraction reduces the immediate cost of borrowing for buyers opting for adjustable terms, potentially benefiting those who anticipate stable or declining rates beyond the initial fixed period. First-time homebuyers and investors may find this rate environment advantageous when evaluating short-term affordability versus long-term rate risk. Members considering refinancing should assess whether locking in a fixed rate offers greater predictability amid fluctuating market conditions. Given these dynamics, evaluating your mortgage strategy based on projected interest trends and personal financial goals is advisable.

For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

On September 27, 2025, the 7-Year Adjustable Rate Mortgage (ARM) for Purchase remains at a notable 6.0%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This yield spread contraction lowers the immediate cost of borrowing for new buyers opting for adjustable-rate terms. While stable in the short term, this rate environment suggests cautious evaluation for borrowers who may face future rate resets after seven years. First-time homebuyers can benefit from this relatively lower initial rate; however, those prioritizing predictability should assess fixed-rate alternatives. Veterans and other member segments without current offerings in this update should monitor market shifts closely. Members considering financing strategies are advised to review adjustable product terms carefully and consider refinancing only if projected savings outweigh reset risks.

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

As of September 27, 2025, adjustable-rate mortgages (ARMs) for home purchases at Newport News Shipbuilding Employees credit union show a clear downward trend. The 15-year and 10-year 3-year ARMs have both declined by 25 basis points to 4.75%, marking the lowest rates available today. Similarly, the 20-year 3-year ARM rate decreased to 5.00%, and the 30-year 10-year ARM fell to 5.75%, each down by 25 basis points over the past week and month.

These reductions lower the immediate cost of borrowing for members opting for adjustable terms, particularly benefiting those planning to sell or refinance within a few years. First-time buyers may find these ARMs financially attractive due to lower initial yields compared to fixed options; however, they should evaluate potential rate adjustments after the initial fixed period. Members considering long-term stability might assess fixed-rate alternatives elsewhere.

Given current trends, members should analyze their mortgage horizon and refinancing costs carefully; those with shorter ownership plans could capitalize on reduced ARM rates while monitoring market shifts.

For details, visit https://www.bayportcu.org/rates/#:~:text=Apply%20now-,MORTGAGE%20RATES,-Fixed%20Rate%20Mortgages.

As of September 27, 2025, the 30-year Adjustable 5/5 ARM Conforming Purchase rate stands at 5.25% with 1.0 point. This reflects a 12.5 basis point increase from one week ago, indicating a modest uptick in borrowing costs for this loan type. Compared to 30 days prior, the rate is down by 12.5 basis points, signaling some recent easing in yield spreads.

For members considering adjustable-rate mortgages, especially first-time buyers seeking lower initial rates, this movement suggests a slight rise in short-term costs but improved conditions compared to last month. Veterans or those refinancing should evaluate the potential variability in rates over time versus fixed alternatives.

Given these trends, members are advised to consider fixed-rate options if they prioritize payment stability or to evaluate refinancing opportunities if long-term savings exceed associated costs.

For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of September 27, 2025, the 30-year Adjustable 5/6 ARM for new purchase loans in New Hampshire is priced at 6.375%, marking a 37.5 basis points increase over the past week. This upward movement in yield spreads raises the cost of borrowing on variable-rate mortgages, which may impact buyers anticipating rate resets after the initial fixed period. First-time purchasers should carefully assess their ability to absorb potential future rate adjustments, while those seeking flexibility might weigh this against fixed-rate alternatives. Given these dynamics, members should evaluate their mortgage strategy with an emphasis on interest rate risk and long-term affordability. Consider refinancing if projected savings outweigh associated costs or explore fixed-rate options to prioritize payment stability. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of September 27, 2025, mortgage rates are stable for 15-Year Fixed Rate Jumbo loans at 6.210% and 30-Year Fixed Rate Jumbo loans at 6.361%. Over the past week, the 15-Year Fixed Rate Jumbo has decreased by 0.14 basis points, while the 30-Year Fixed Rate Jumbo remains unchanged. In the last month, both products have seen minimal fluctuations, with the 15-Year fixed rate dropping 0.13 basis points. Borrowers should note that the most favorable rate is currently for the 15-Year Fixed Rate Jumbo, which may present a better option for those seeking lower long-term costs in borrowing.

Current inflation expectations, indicated by the Breakeven Inflation Rates, remain stable with the 10-year rate at 2.380 and the 5-year rate at 2.420. This stability plays a crucial role in influencing mortgage rates and the overall cost of borrowing. Notably, the largest changes include a rise in Mortgage 30Yr Va Average Rates by 0.14 points over the past week and a decline in Mortgage 30Yr Average Rates by 0.26 points over the last 30 days. The lowest mortgage rate currently is for the Mortgage 30Yr Usda Average Rates, at 6.125. Borrowers should consider these trends when making financing decisions, as they reflect market conditions and future borrowing costs.

The home loan landscape is always changing, but your need for reliable advice never goes out of style. At LendMesh, we keep our mortgage resources up to date with current rates, lender specials, and tips from real financial experts. We know that comparing banks and credit unions can seem overwhelming, so we’ve created a platform that breaks down your options and gives you actionable next steps. Whether you’re seeking a fixed-rate mortgage, a low down payment, or just honest answers, you’ll find it all here. Ready to make your next move? Explore the latest at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . your shortcut to smarter homeownership.