October 4, 2025 | Lowest 7/6 ARM Purchase Rate Stays at 4.75%

On October 4, 2025, the 7/6 ARM Adjustable Rate Mortgage for home purchase remains steady at a competitive 4.75%, unchanged over the past week but down by 100 basis points compared to 30 days ago. This notable decline in yield spread reduces the cost of borrowing for members considering adjustable-rate loans, potentially lowering initial monthly payments. First-time buyers and those comfortable with rate variability may find this product advantageous amid recent market shifts. Given the stability in short-term rates, members should assess their risk tolerance and financial plans; consider fixed-rate options if you prioritize payment certainty or evaluate refinancing strategies to leverage current lower rates. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of October 4, 2025, the 7/6m ARM Adjustable-Rate Conventional Purchase mortgage remains at a competitive 5.125%, unchanged over the past week but down 25 basis points from 30 days ago. This decline in yield spread reduces the cost of borrowing for buyers opting for adjustable-rate loans, potentially benefiting those planning shorter-term homeownership or expecting rate adjustments aligned with market trends. First-time buyers should weigh the initial lower rate against future variability, while veterans and those seeking refinancing might consider fixed-rate alternatives if they prioritize payment stability. Given this rate movement, members are advised to evaluate their mortgage strategy carefully; consider refinancing if long-term savings outweigh associated costs. For details, visit https://www.affinityplus.org/rates/mortgage-rates.

On October 4, 2025, 15/15 Adjustable Rate Purchase loans increased by 12.5 basis points, rising from 5.00% last week to a current rate of 5.125%, marking the lowest available rate among today’s adjustable options. Similarly, the MOREgage Purchase program saw a parallel uptick of 12.5 basis points, now priced at 5.375%, compared to 5.25% seven days ago. These upward shifts in yield spreads imply a higher cost of borrowing for members seeking adjustable-rate purchase mortgages, potentially impacting first-time buyers aiming to optimize initial payments. Veterans and refinancing applicants should monitor these trends closely, as even modest increases can affect long-term affordability. Given current volatility, members may wish to evaluate fixed-rate alternatives if payment stability is a priority or consider refinancing strategies when projected savings surpass associated costs. For details, visit https://acuonline.mortgagewebcenter.com/responsive/#/ApplyNow.

On October 4, 2025, the 5/1 Year Adjustable Rate Mortgage (ARM) for Purchase remains steady at a competitive 4.75% with 1.000 points, unchanged from last week but down 25 basis points compared to 30 days ago. This stability in yield spreads suggests a consistent cost of borrowing for borrowers preferring adjustable terms. First-time buyers and those planning to hold their property short-term may benefit from this rate environment by leveraging lower initial payments compared to fixed-rate products. Veterans or refinance applicants should monitor ARM trends carefully as future adjustments depend on market indexes. Given these dynamics, members should evaluate if an adjustable strategy aligns with their financial horizon or consider fixed-rate options for long-term predictability. For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

On October 4, 2025, the 7-Year Adjustable Rate Mortgage (ARM) for Purchase remains steady at 6.00%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This slight yield spread reduction lowers the cost of borrowing relative to last month, benefiting borrowers who prefer adjustable rates tied to market fluctuations. First-time buyers and those planning shorter-term homeownership may find this ARM option financially viable given its current stability. Veterans and refinancing applicants should note that no government-backed or refinance ARM products are listed today, limiting their options in this segment. Members should evaluate whether the adjustable structure aligns with their risk tolerance; those prioritizing payment predictability might consider fixed-rate alternatives if available. For actionable mortgage insights, consider reviewing your loan strategy in light of these rate movements. For details, visit https://www.eastrise.com/rates/mortgage/.

As of October 4, 2025, adjustable-rate mortgage (ARM) purchase loans show stability with 15- and 10-year (3-year ARM) terms holding at 4.75%, marking the lowest rates available today. These rates are unchanged over the past week but reflect a 25 basis point decline from 30 days ago, reducing borrowing costs for eligible buyers. The 20-year (3-year ARM) remains steady at 5.00%, while the 30-year (10-year ARM) holds at 5.75%, both also down by 25 basis points month-over-month. For members considering shorter-term ARMs, these stable yields provide an opportunity to secure lower initial rates compared to a month prior. Given the current market, members should evaluate their mortgage strategy carefully; those valuing predictable payments may consider fixed-rate alternatives elsewhere, while others might explore adjustable options to benefit from reduced initial rates. Consider refinancing if projected savings exceed associated costs.

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

As of October 4, 2025, the 30-year Adjustable Rate Mortgage (5/5 ARM Conforming) for purchase remains steady at a rate of 5.25% with 0.875 points, unchanged over the past week and month. This stability in yield spreads suggests no immediate shift in borrowing costs for members considering adjustable-rate products. For first-time buyers, the consistent rate environment offers predictability in initial payments, while those evaluating long-term affordability should assess potential adjustments after the fixed period. Veterans and refinancing applicants may find limited movement in cost benefits from ARMs today. Members are advised to analyze their mortgage strategy carefully; consider fixed-rate options if prioritizing payment stability or evaluate refinancing only when projected savings exceed associated costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of October 4, 2025, the 5/6 ARM Adjustable Purchase mortgage rate stands at 6.25%, reflecting a decrease of 12.5 basis points compared to one week ago and the same decline over the past 30 days. This downward movement in yield spreads slightly lowers the cost of borrowing for buyers considering adjustable-rate options with terms between 15 and 30 years. For members evaluating home purchases, especially those comfortable with rate variability after an initial fixed period, this trend may improve affordability. However, borrowers prioritizing payment stability should weigh this against potential future adjustments. Given current fluctuations, members might consider locking rates soon or exploring fixed-rate alternatives to manage long-term interest exposure effectively. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of October 4, 2025, mortgage rates are stable, with 15-Year Fixed Rate Jumbo loans holding steady at 6.195% and 30-Year Fixed Rate Jumbo loans also unchanged at 6.337%. Over the past week, the 30-Year Fixed Rate Jumbo decreased by 0.02 basis points, while the 15-Year Fixed Rate Jumbo remained flat. Notably, the 30-Year Fixed Rate Jumbo has experienced a decline of 0.06 basis points over the past month and a significant drop of 0.22 basis points in the last 60 days. Borrowers should consider these trends when evaluating their financing options, as current rates present opportunities for cost-effective borrowing relative to historical levels.

Inflation expectations, reflected in the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the 10-Year Breakeven Rate is stable at 2.330%, while the 5-Year Rate has also held steady at 2.380%. Over the last week, the most notable change was in the Mortgage 15Yr Average Rates, which increased by 0.06 points, now at 5.550%. In contrast, the 30-Year VA Average Rates decreased significantly by 0.39 points over the past two months, currently at 5.802%, marking it as a more attractive option for borrowers seeking lower rates. Monitoring these trends can help borrowers make informed decisions regarding their financing options amidst fluctuating economic conditions.

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