October 8, 2025 | Lowest FHA 15-Year Fixed Rate Steady at 5.00%

As of October 8, 2025, the FHA 30 Year Fixed Purchase mortgage rate remains steady at 5.49%, unchanged from both one week and one month ago. This stability indicates no recent fluctuations in yield spreads affecting the cost of borrowing for this government-backed loan. For first-time homebuyers relying on FHA financing, consistent rates provide predictable payment planning without immediate pressure to lock in rates. However, given rates are elevated compared to earlier months, potential buyers should assess affordability carefully. Members considering refinancing under this program may find limited incentive to act now, as rates have held firm over the past 30 days. Evaluating fixed-rate options remains prudent for those prioritizing payment stability amid broader market uncertainty. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of October 8, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.125%, unchanged from one week ago but up 37.5 basis points over the past month. Meanwhile, the FHA 30-Year Fixed Purchase loan remains steady at 5.75%, with no weekly change and a modest increase of 12.5 basis points compared to 30 days prior. These shifts indicate a gradual rise in borrowing costs for fixed FHA purchase mortgages, impacting affordability for first-time buyers relying on government-backed options. Members seeking shorter-term stability may find the 15-year fixed FHA product more cost-effective despite recent increases; longer-term borrowers should monitor yield trends closely. Consider evaluating your mortgage strategy based on these incremental rate movements; refinancing may be beneficial if potential savings surpass associated fees.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of October 8, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.25%, unchanged from one week ago but down by 37.5 basis points compared to 30 days prior. This decline in yield spreads has lowered the cost of borrowing for eligible homebuyers, particularly benefiting first-time purchasers who rely on government-backed programs. The stable rate environment supports predictable monthly payments, making it easier to plan long-term finances. Members considering a home purchase with an FHA loan may find this an opportune moment to evaluate fixed-rate options for budget certainty. Given the recent downward trend over the past month, it is prudent to assess whether locking in current rates aligns with your financial goals. For details, visit https://fccu.org/rates/home-loan-rates.

On October 8, 2025, 15 Year Fixed FHA Mortgage purchase rates rose by 25 basis points, reaching 5.25%, marking the lowest rate among today’s FHA options. This increase reflects higher yield spreads compared to one week ago and a notable rise over the past 30 days, elevating the overall cost of borrowing for buyers seeking shorter-term FHA financing. Meanwhile, the 30 Year Fixed FHA Mortgage rate held steady at 5.375%, unchanged from last week but up by 12.5 basis points over the past month, maintaining its position as a longer-term fixed-rate choice with stable pricing this week.

First-time buyers relying on FHA programs should consider the impact of recent rate increases on monthly payments; veterans or borrowers prioritizing longer amortization may find the 30-year option’s stable yield advantageous. Given these trends, members are advised to evaluate fixed-rate options carefully and consider refinancing only if projected savings exceed transaction costs.

For details, visit https://www.gwcu.org/rates/homeloans.

As of October 8, 2025, 15-year FHA fixed purchase loans hold the lowest rate at 5.00%, unchanged over the past week but up 25 basis points from 30 days ago. The 30-year FHA fixed purchase rate remains steady at 5.375%, with no change in the last 7 days and a modest increase of 12.5 basis points over the past month. These yield spreads suggest a gradual rise in borrowing costs, impacting affordability for first-time homebuyers relying on government-backed loans. Members prioritizing payment stability may consider locking in current fixed rates, especially as longer-term rates exhibit incremental upward pressure. Evaluating refinancing options could be advantageous if potential savings surpass associated costs, given recent rate trends. For details, visit https://www.macu.com/rates/home.

As of October 8, 2025, the 30-year Fixed FHA Purchase Loan remains steady at a 5.25% interest rate with 1.0 point, unchanged from one week ago. This stability indicates no recent fluctuations in yield spreads or borrowing costs for this government-backed product favored by first-time buyers seeking low down payment options. While rates are down 50 basis points compared to 90 days ago, the current environment supports predictable monthly payments without rate volatility.

Members considering home purchases can benefit from the fixed-rate certainty offered by this FHA program. Given the unchanged rate over the past week, it is prudent to evaluate mortgage strategies carefully; those prioritizing long-term cost control should consider locking in rates now. Veterans and refinancers should monitor for updates on their respective products.

For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851

As of October 8, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 4.875%, matching last week’s level but reflecting a 12.5 basis point increase over the past 30 days. This rise slightly elevates the cost of borrowing for buyers seeking shorter-term fixed options, impacting those prioritizing faster equity buildup. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.375%, unchanged from seven days ago but also up by 12.5 basis points compared to one month prior. For long-term borrowers, this translates into higher monthly payments and overall interest expense versus recent months.

Members evaluating their mortgage strategies should consider the stability of current fixed rates against potential market volatility; first-time buyers may find locking in rates prudent to mitigate future increases. Additionally, assessing refinancing opportunities could be beneficial if projected savings outweigh closing costs amid these incremental rate shifts.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of October 8, 2025, the FHA 15-Year Fixed Purchase mortgage holds the lowest rate at 5.125%, unchanged over the past week but down 12.5 basis points compared to 30 days ago. This decline slightly reduces borrowing costs for borrowers prioritizing shorter loan terms. The FHA 30-Year Fixed Purchase rate remains steady at 6.0%, with no change over the last 30 days, maintaining consistent yield spreads for longer-term financing.

For first-time buyers or those seeking lower down payments, the stable FHA rates provide predictable cost structures. Borrowers weighing long-term affordability should note the unchanged 30-year rates may impact monthly payments more than shorter terms. Given these trends, members should evaluate fixed-rate options if stability is a priority or consider refinancing opportunities where rate drops exceed transaction costs.

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

As of October 8, 2025, 15-Year Fixed Rate Purchase loans hold the lowest rate at 5.25%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This decline reduces the cost of borrowing for buyers seeking shorter terms and faster equity buildup. Meanwhile, the FHA 30-Year Fixed Rate Purchase remains steady at 5.625%, also unchanged over the past week and down by 25 basis points since last month, providing consistent affordability for first-time buyers requiring government-backed options.

Members evaluating mortgage strategies should consider that stable weekly rates offer predictable yield spreads; those prioritizing long-term stability might favor fixed-rate products. Given the recent monthly declines, it may be prudent to assess refinancing opportunities if potential savings surpass associated costs.

For details, visit https://wsecu.org/loans/mortgage-purchase.

As of October 8, 2025, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is now at 6.133%, down by 0.13 basis points from yesterday but up 0.05 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo stands at 6.306%, experiencing a slight decrease of 0.04 basis points in one day and a marginal drop of 0.05 basis points over the last week. For borrowers, these fluctuations indicate a relatively stable environment, though those considering a 15-Year Fixed Rate Jumbo may find it slightly more favorable today compared to recent days. Monitoring these rates is essential for making informed borrowing decisions.

Current breakeven inflation rates indicate stable inflation expectations, with the 10-year rate at 2.350% and the 5-year rate at 2.390%. These metrics can influence mortgage rates, which reflect the cost of borrowing for consumers. Over the past week, the Mortgage 30Yr Usda Average Rate saw the largest decline of 0.16 percentage points, while the most significant increase in the last 30 days was for the Mortgage 30Yr Va Average Rate, rising by 0.08 percentage points. The lowest rate reported is the Mortgage 15Yr Average Rate, currently at 0.000%, which may signal favorable conditions for refinancing or new purchases in certain contexts. Monitoring these trends will help borrowers make informed decisions.

A mortgage isn’t just a loan—it’s a stepping stone to a new beginning. At LendMesh, we know every decision matters, from choosing the right lender to locking in a rate that fits your goals. That’s why our platform was built to give you real options, not just the lowest rates but also trusted advice and lender partnerships that value your long-term success. With LendMesh, you can compare offers from leading credit unions and banks side by side, get answers to the questions you didn’t even know to ask, and find support every step of the way. Take control of your homebuying journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage-loans . Let’s make your dream home a reality—together.