September 30, 2025 | Lowest VA 15-Year Fixed Rate at 4.875% Today

As of September 30, 2025, Federal VA Loans for home purchases remain stable with notable nuances in term structures. The 15-year fixed VA loan rose by 12.5 basis points to 5.25%, reflecting a modest uptick in borrowing costs that may impact veterans seeking shorter-term commitments. Conversely, the 30-year fixed VA loan holds steady at 5.625%, maintaining the same yield as one week ago, offering consistent long-term financing stability.

First-time buyers and veterans aiming for shorter amortizations should assess the increased rate on the 15-year option, which elevates monthly obligations slightly but could reduce total interest paid over time. Those prioritizing predictable payments over extended terms might find value in the unchanged 30-year rate.

Members should consider their mortgage strategy carefully; fixed-rate options provide budget certainty amid rate fluctuations, while refinancing decisions warrant analysis of potential savings relative to closing costs.

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

As of September 30, 2025, CREDIT UNION WEST reports stable mortgage rates for purchase loans. The 30-year fixed-rate purchase loan remains steady at 5.375% with 2.0 points, showing no change from one week ago. Conversely, the 15-year fixed-rate purchase loan increased by 38.5 basis points to 5.375% with 1.875 points over the past seven days, reflecting a notable rise in borrowing costs for shorter-term financing.

These movements imply that borrowers prioritizing long-term payment stability may find the 30-year fixed option more cost-effective amid unchanged yields. Meanwhile, buyers seeking faster equity buildup should assess the recent uptick in 15-year rates carefully, as it raises monthly obligations.

Members should evaluate their mortgage strategies considering these trends; those sensitive to rate fluctuations might consider locking in current 30-year fixed rates, while others could explore refinancing if potential savings outweigh associated costs.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of September 30, 2025, 15-year Fixed VA purchase loans maintain the lowest rate at 5.375%, unchanged from last week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-year Fixed VA purchase rate holds steady at 5.875%, also unchanged weekly and reduced by 12.5 basis points month-over-month. These stable yield spreads suggest marginally lower borrowing costs for veterans considering home purchases compared to a month prior. First-time buyers and veteran borrowers may find value in locking fixed-rate terms now to capitalize on these recent declines, particularly if long-term payment predictability is a priority. Evaluating your mortgage strategy with a focus on fixed-rate VA products could optimize financing stability and cost efficiency amid modest market adjustments. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of September 30, 2025, VA 15-Year Fixed Purchase rates have risen by 25 basis points, reaching 5.25%, matching the rate from 30 days ago. This increase slightly raises the cost of borrowing for veterans seeking shorter-term loans but maintains stability compared to last month. Meanwhile, the VA 30-Year Fixed Purchase rate also increased by 25 basis points over the past week to 5.875%, though it is down 25 basis points from 30 days ago, reflecting recent yield spread tightening for longer terms.

For veterans and first-time buyers prioritizing predictable payments, the VA 15-Year Fixed remains the lowest rate option, beneficial for those aiming to build equity faster despite a modest short-term uptick. Evaluating fixed-rate mortgages now can help manage long-term financing costs amid shifting market conditions.

Members should consider their mortgage strategy carefully; if refinancing, assess whether savings justify transaction costs given recent rate volatility. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of September 30, 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 stable yield indicates consistent borrowing costs for veterans seeking home purchase financing under this government-backed program. For first-time buyers and veteran members, the current rate environment supports predictable monthly payments without recent volatility. The downward shift over the past month may improve affordability for those considering a new home purchase with a fixed-rate VA loan. Members should evaluate their mortgage strategy carefully; fixed-rate options like this VA product offer payment stability, which can be advantageous amid fluctuating market conditions. Consider reviewing your eligibility and long-term financial goals to determine if locking in today’s rate aligns with your housing plan. For details, visit https://fccu.org/rates/home-loan-rates.

As of September 30, 2025, VA fixed-rate mortgage products for purchases remain steady. The 15-year VA fixed rate holds at 5.375%, unchanged from one week ago, representing the lowest rate available today. The 30-year VA fixed rate stands at 6.125%, also stable over the past seven days. These consistent yields suggest stable borrowing costs for veterans seeking to purchase homes, with no recent upward pressure on yield spreads.

For veterans prioritizing lower monthly payments and long-term budgeting, the 15-year VA fixed loan offers a comparatively lower interest rate, potentially reducing total interest expenses despite higher monthly payments versus the 30-year option. Given these rates have not shifted in the last week, members should evaluate their mortgage strategy based on current financial goals rather than market volatility. Consider fixed-rate options if you value predictability or assess refinancing possibilities if long-term savings surpass associated costs.

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

As of September 30, 2025, 15-year VA fixed loans maintain the lowest rate at 5.25%, unchanged from one week ago and steady over the past two months. This stability in shorter-term VA financing supports veterans seeking predictable payments and potential interest savings compared to longer terms. Meanwhile, the 30-year VA fixed rate holds at 5.5%, also unchanged over seven days but reflecting a modest rise from 90 days prior, indicating a slight increase in long-term borrowing costs for purchase loans.

For members prioritizing payment certainty and lower interest expenses, locking in a 15-year VA fixed mortgage at 5.25% remains advantageous. Veterans considering home purchases should evaluate these rates against their financial goals; those favoring longer terms should note the relatively higher yield on the 30-year VA fixed option. Given current rate stability, it is prudent to review mortgage strategies carefully and consider refinancing only if projected savings outweigh associated costs.

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

As of September 30, 2025, the 30-year Fixed VA Loan purchase rate remains steady at 5.25%, showing no change from a week ago. This stability in yield spreads indicates consistent borrowing costs for veterans seeking home purchases. For first-time buyers and veteran members, maintaining this rate means predictable monthly payments without recent upward pressure on interest expenses. Since no rate shifts occurred over the past seven days, borrowers prioritizing rate certainty may find this an opportune moment to evaluate fixed-rate mortgage options. Given the unchanged cost of borrowing, members should consider their long-term financing strategies carefully; refinancing decisions should weigh potential savings against closing costs in a stable rate environment. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of September 30, 2025, 15-Year Fixed Purchase loans hold the lowest rate at 4.875%, unchanged over the past week and stable compared to two weeks ago. Similarly, the 30-Year Fixed Purchase rate remains steady at 5.375%, showing no change from seven days prior. The absence of recent movement in these key fixed-rate products indicates consistent borrowing costs for members aiming to purchase a home. For borrowers prioritizing payment stability, these fixed terms provide predictable yield spreads amid current market conditions. Members should consider locking rates if planning a purchase soon or evaluate refinancing options if current rates improve relative to their existing loan, especially given the flat trends observed here. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of September 30, 2025, the VA 15-Year Fixed Purchase loan maintains the lowest rate at 5.0%, unchanged from a week ago but down 12.5 basis points compared to 30 days prior. This stability benefits veterans seeking predictable payments and quicker equity build-up. Conversely, the VA 30-Year Fixed Purchase rate increased by 12.5 basis points over the past week to 5.875%, though it remains 12.5 basis points lower than a month ago. Longer-term borrowers face slightly higher borrowing costs recently but still benefit from lower rates compared to mid-summer levels.

Members prioritizing long-term payment consistency may consider locking in current fixed rates; those evaluating new purchases should weigh recent yield spreads against their financial goals. Veterans planning home financing should monitor these movements closely and evaluate refinancing only if projected savings outweigh transaction costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of September 30, 2025, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is at 6.204%, increasing by 0.04 basis points from yesterday and showing stability compared to a week ago. In contrast, the 30-Year Fixed Rate Jumbo remains unchanged at 6.403%, reflecting a slight increase of 0.01 basis points over the past week. Over the last month, the 15-Year Fixed Rate Jumbo has decreased by 0.02 basis points, while it has fallen significantly by 0.21 basis points in the last 60 days. Borrowers may find opportunities in these fluctuations; however, careful consideration of rate trends is advisable when choosing a mortgage product.

Recent trends in breakeven inflation rates suggest a stable outlook for inflation expectations, with the 10-year rate at 2.350% and the 5-year rate at 2.410%. However, mortgage rates have shown significant declines; notably, the 30-Year Jumbo Average Rate dropped by 6.56 points in just one day, reflecting ongoing adjustments in the market. The largest shifts over the past month were also seen in this category, down by 6.57 points, indicating potential easing for borrowers. As the lowest reported mortgage rate stands at 5.860%, prospective homebuyers may find favorable conditions ahead; thus, monitoring these indicators can inform timely financial decisions.

Homeownership can feel complicated, but with the right support, it becomes an exciting adventure. At LendMesh, we’ve created a one-stop platform for comparing mortgage rates, learning about loan options, and connecting with banks and credit unions that value your future. Our resources are written by real advisors who care about your goals, making it easier to ask questions and get clear, honest answers. No matter where you are in your homebuying journey, you’re welcome to start at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . LendMesh is here to make home financing smarter, safer, and more personal—every single day.