October 11, 2025 | Lowest 7/6 ARM Purchase Rate Holds at 4.75%

On October 11, 2025, the 7/6 ARM Adjustable-Rate Mortgage for new home purchases remains steady at a 4.75% rate with zero points. This unchanged rate from both one week and one month ago indicates stable yield spreads in the adjustable mortgage market segment. Borrowers opting for this product face consistent borrowing costs, which may benefit those anticipating short-term ownership or future refinancing opportunities. First-time buyers can leverage this stability to plan monthly payments without immediate rate volatility. Given no recent change, members should evaluate whether the flexibility of an adjustable loan aligns with their long-term financial strategy or if fixed-rate alternatives better suit their risk tolerance. Consider reviewing your mortgage approach to balance current rates against potential market shifts.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of October 11, 2025, the 7/6m ARM Adjustable-Rate, Conventional Purchase loan remains steady at 5.125% with 0.0 points, showing no change over the past week or month. This stability in rates indicates consistent borrowing costs for members considering adjustable-rate mortgages. First-time homebuyers and those evaluating purchase options benefit from predictable yield spreads in this segment. Since rates have not fluctuated, members may focus on assessing their risk tolerance regarding potential future adjustments after the initial fixed period. For veterans or refinancers, it is prudent to compare these ARM options with fixed-rate alternatives to balance short-term affordability against long-term interest rate exposure. Members should consider refinancing only if projected savings exceed associated costs over time.

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

On October 11, 2025, the 5/1 Year Adjustable Rate Mortgage (ARM) for Purchase remains at a competitive 4.75%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This slight yield spread compression reduces the cost of borrowing for buyers opting for adjustable-rate options, potentially benefiting those planning to sell or refinance before the fixed-rate period ends. First-time purchasers can leverage this stability in short-term rates, while veterans and other borrowers should monitor future movements closely given recent volatility. Evaluating mortgage strategies with an eye toward potential rate resets is advisable. Consider fixed-rate loans if long-term payment predictability is a priority; otherwise, assess refinancing opportunities if long-term savings outweigh transaction costs. For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

As of October 11, 2025, the 7-Year Adjustable Rate Mortgage (ARM) for Purchase remains steady at 6.0%, unchanged from both one week and one month ago. This stability in yield spreads suggests no immediate change in the cost of borrowing for members opting for this ARM product. For first-time buyers and those planning new purchases, the consistent rate provides predictability in initial payments, though future adjustments beyond seven years should be monitored closely.

Given the flat trend, members might evaluate whether locking in a fixed-rate product elsewhere aligns better with long-term financial goals or consider this ARM if initial lower rates fit their plans. Maintaining awareness of market shifts is crucial; consider refinancing if rate environments improve to reduce overall interest expense.

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

As of October 11, 2025, the 5/5 Conforming Adjustable Rate Mortgage (ARM) for purchase loans remains steady at a competitive 5.25%, unchanged from last week. This marks a 25 basis points decrease compared to rates 45 days ago, reflecting a modest easing in yield spreads and potentially lowering the cost of borrowing for eligible borrowers. For members considering adjustable-rate options, this stability may benefit those planning to sell or refinance within five years, while first-time buyers should evaluate the potential for future rate adjustments beyond the initial fixed period. Given the current rate environment, it is advisable to assess refinancing opportunities carefully, especially if locking in fixed-rate alternatives aligns better with long-term financial goals. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of October 11, 2025, adjustable-rate mortgages (ARMs) for new purchases at Newport News Shipbuilding Employees credit union show steady yields. The 15-year and 10-year 3-year ARMs hold the lowest rates at 4.75%, unchanged from last week but down 25 basis points over the past 30 days, reflecting a moderate easing in borrowing costs. The 20-year ARM remains at 5.00%, and the 30-year 10-year ARM is fixed at 5.75%, both stable week-over-week but also down 25 basis points month-over-month. These rate trends suggest favorable conditions for buyers seeking lower initial payments with adjustable terms. Members should assess their risk tolerance; those valuing predictability might consider locking in fixed rates elsewhere, while others may benefit from current ARM pricing. Evaluate refinancing strategies if long-term savings justify closing costs.

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

On October 11, 2025, 3/3 Adjustable Rate Mortgages (ARMs) for purchase remain at a competitive 4.875%, marking the lowest rate among available adjustable options. This rate is unchanged from one week ago but shows a 12.5 basis points decrease compared to 30 days prior, indicating modest easing in short-term borrowing costs. Other purchase ARM products, including the SOFR 5 Year ARM Conforming at 5.0%, SOFR 7 Year ARM Conforming at 5.125%, and SOFR 10 Year ARM Conforming at 5.625%, also held steady over the past week with similar declines versus last month.

For members considering adjustable-rate loans, these slight decreases in yield spreads suggest reduced initial payments relative to last month, benefiting buyers seeking lower upfront costs with potential rate adjustments later. Given stable rates this week, borrowers should evaluate their mortgage strategy carefully; those valuing payment stability may weigh fixed-rate alternatives while others could consider ARMs to capitalize on current lower introductory rates.

Members are advised to analyze refinancing if potential savings surpass associated fees, especially as market volatility may impact future adjustments.

For details, visit https://nwfcu.mortgagewebcenter.com/?_ga=2.205088470.712896961.1724675500-146973136.1715609985&_gl=1*1unbxkh*_gcl_au*MTYxNjQ2ODc0MS4xNzUwMDE4MzA4*_ga*MTcxOTU0ODgyNy4xNzUwMDE4MzA5*_ga_WKPGKRE27F*czE3NTAwMTgzMDgkbzEkZzEkdDE3NTAwMjAwNTkkajMxJGwwJGgw

On October 11, 2025, the 5/5 ARM Conforming Adjustable-Rate Mortgage for new purchases remains steady at 5.25% with 0.875 points, unchanged over the past week. Compared to 30 days ago, this reflects a 12.5 basis points increase, indicating a modest rise in the cost of borrowing for adjustable-rate mortgage holders. This rate stability benefits borrowers seeking short-term rate adjustments while signaling slightly higher yield spreads than last month.

For first-time buyers and those prioritizing lower initial payments, maintaining this rate offers predictable budgeting under the ARM structure. Veterans and refinancing members should monitor market shifts closely as small rate upticks can affect long-term affordability. Given recent movements, members may consider evaluating their mortgage strategy to balance interest rate risk with potential savings from adjustable terms.

Consider fixed-rate options if you value payment stability; otherwise, evaluate refinancing if potential savings exceed associated costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of October 11, 2025, the 30-year Adjustable Rate Mortgage (5/6 ARM) for Purchase remains steady at 6.25%, unchanged from both one and thirty days ago. This stability reflects consistent yield spreads, maintaining the current cost of borrowing without upward pressure. For buyers considering an adjustable product, the lack of recent rate fluctuation supports predictable initial payments; however, borrowers should evaluate potential future adjustments beyond the fixed 5-year period. First-time buyers may find this option suitable if they anticipate refinancing or selling before rate resets. Given no recent change in rates, members are advised to assess their long-term housing plans carefully and consider fixed-rate alternatives if payment certainty is a priority. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of October 11, 2025, mortgage rates are mixed, with the 15-Year Fixed Rate Jumbo remaining stable at 6.110%, unchanged from yesterday and down 8 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo holds at 6.365%, showing a slight increase of 3 basis points compared to last week. Over the past month, the 30-Year Fixed Rate Jumbo has risen by 7 basis points, while the 15-Year Fixed Rate Jumbo has decreased by 31 basis points in the last 60 days. Borrowers may find favorable conditions in shorter-term loans, making now a strategic time to evaluate options for lower borrowing costs.

Current inflation expectations, reflected in the Breakeven Inflation Rates, indicate a stable outlook, with the 10-Year Rate at 2.300% and the 5-Year Rate at 2.350%. These figures suggest that borrowers may face relatively stable mortgage rates in the near term. Notably, Mortgage 30Yr Jumbo Average Rates increased by 0.17 points over the past week, while Mortgage 30Yr Usda Average Rates saw a decline of 0.15 points in the last 30 days, marking the largest changes across these periods. The lowest mortgage rate currently is for the 15-Year Average Rates, at 5.530%. Borrowers should consider these trends when planning their financing strategies, as stable inflation expectations may lead to more favorable borrowing conditions in the future.

Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.