October 14, 2025 | VA Fixed Mortgage Hits New Low at 4.875%

As of October 14, 2025, Federal VA Loans for both 15-year and 30-year fixed purchase programs have seen modest declines in yield spreads over the past week. The 15-year VA fixed rate is at 5.125%, down by 12.5 basis points, now representing the lowest rate available among today’s options. Similarly, the 30-year VA fixed rate stands at 5.625%, also reflecting a 12.5 basis point decrease from last week, while remaining steady compared to 30 days ago.

These slight reductions in borrowing costs may benefit veterans and first-time buyers seeking stable financing terms, particularly those prioritizing predictable monthly payments and long-term budgeting certainty. Members considering a purchase with a VA-backed loan should evaluate whether locking in these lower fixed rates aligns with their financial strategy.

Given the current rate environment, members are advised to consider fixed-rate options if they value payment stability; reviewing refinancing possibilities may also be prudent where cost savings surpass associated fees. For details, visit https://www.capitalcu.com/mortgage-rates.

As of October 14, 2025, 15-year VA Loans and 30-year VA Loans for purchase remain steady at 5.125% and 5.625%, respectively. Both rates show no change over the past 7 days, maintaining a stable cost of borrowing for veterans seeking fixed-rate mortgages. Compared to 30 days ago, these rates have decreased by 37.5 basis points, reflecting improved yield spreads that can benefit members planning home purchases with lower long-term interest expenses. For veterans prioritizing predictable payments, the 15-year VA Loan at 5.125% represents the lowest available rate today, offering a potential reduction in total interest paid over the loan term. Members should evaluate their mortgage strategy considering these stable fixed rates and consider refinancing if current savings exceed associated costs.

For details, visit https://www.cu1.org/rates#real-estate-rates.

On October 14, 2025, the 15-year Fixed VA Purchase loan rate stands at 5.125%, down by 12.5 basis points from last week, maintaining the lowest rate among today’s offerings. The 30-year Fixed VA Purchase rate also decreased by 12.5 basis points week-over-week to 5.625%, holding steady compared to 30 days ago. These shifts slightly reduce the cost of borrowing for veterans and eligible buyers seeking fixed-rate stability.

For members considering home purchases, the decline in rates may improve monthly payment affordability and long-term interest expense, particularly for those prioritizing predictable payments over extended terms. Given these modest declines, evaluating fixed-rate options is advisable to lock in current yields amid market fluctuations.

Members should assess refinancing opportunities if potential savings surpass transaction costs, especially when targeting shorter-term VA loans with historically lower yields. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of October 14, 2025, VA 15-Year Fixed Purchase loans remain at a competitive 5.125%, unchanged over the past week but up 25 basis points compared to 30 days ago. This rate represents the lowest available option today, offering veterans and eligible buyers a relatively stable borrowing cost for shorter-term financing. The VA 30-Year Fixed Purchase loan stands at 5.75%, steady week-over-week but increased by 12.5 basis points versus one month prior, indicating a moderate rise in long-term yield spreads.

For members prioritizing payment stability and faster equity build-up, the 15-year VA fixed rate presents a cost-effective choice despite recent upward pressure. Conversely, those seeking extended terms should monitor the incremental rise in the 30-year VA fixed rate to assess affordability over time. Given these movements, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value predictable payments or review refinancing opportunities if potential savings exceed transaction costs.

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

As of October 14, 2025, the 30-year Fixed VA Purchase mortgage rate at FIRST COMMUNITY remains steady at 5.25%, unchanged from one week ago but down 37.5 basis points compared to 30 days prior. This decline in yield spread reduces the cost of borrowing for veterans and eligible buyers seeking a fixed-rate government-backed loan. Stability over the past week provides predictability for first-time homebuyers evaluating purchase timing, while the month-over-month decrease may prompt consideration of locking in current rates before potential market shifts. Members prioritizing long-term payment certainty should assess the benefits of this fixed-rate VA program amid recent lower rate levels. For detailed rate information and further analysis, visit https://fccu.org/rates/home-loan-rates.

As of October 14, 2025, VA 15 Year Fixed Purchase loans remain at a competitive 4.875% with 0.5 points, holding steady over the past week but reflecting a 12.5 basis point increase over the last 30 days. This gradual rise slightly increases borrowing costs for veterans seeking shorter-term financing but still offers a comparatively lower rate among available options. Meanwhile, the Military Choice 30 Year Fixed Purchase loan is stable at 6.375% with 0.5 points, unchanged from last week and the past month, though it remains notably higher than the 15-year VA option, impacting long-term affordability for members prioritizing extended payment terms.

Members should evaluate their mortgage strategy based on term preference and cost sensitivity; those valuing rate stability might consider fixed-rate products, while veterans may find benefit in the consistently lower VA 15 Year rates despite modest recent increases. For purchase decisions, carefully weigh the trade-offs between upfront points and long-term yield spreads. Consider refinancing only if projected savings exceed associated closing costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

On October 14, 2025, 15-Year Fixed Purchase mortgages hold the lowest rate at 4.875%, unchanged from one week ago but up 25 basis points compared to 30 days prior. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 5.375%, showing no movement over the past week and a moderate increase of 12.5 basis points versus a month ago. These stable yields suggest that borrowing costs for fixed-rate home purchases have plateaued recently after earlier increases. For members seeking predictable payments, especially first-time buyers and those prioritizing long-term budgeting, the 15-Year Fixed option offers lower yields and faster equity build-up. Conversely, the 30-Year Fixed may appeal to those valuing lower monthly obligations despite slightly higher rates. Given these trends, members should evaluate their mortgage strategy carefully and consider refinancing only if projected savings outweigh transaction costs.

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

As of October 14, 2025, VA 15-Year Fixed Purchase loans offer the lowest yield at 4.875%, reflecting a 12.5 basis point decrease from one week ago and stable rates over the past month. This reduction in the cost of borrowing benefits veterans seeking shorter-term financing by lowering overall interest expense and accelerating equity build-up. Meanwhile, the VA 30-Year Fixed Purchase rate remains steady at 5.75%, unchanged over both the past week and month, providing predictable long-term payments for borrowers prioritizing payment stability.

For veterans evaluating mortgage options, the recent dip in the 15-year fixed rate suggests potential savings through accelerated repayment. Conversely, those favoring consistent monthly costs should consider maintaining or selecting the 30-year fixed option. Members are encouraged to assess their financial goals carefully; fixed-rate products continue to offer transparent cost structures amid moderate market fluctuations. Consider your mortgage strategy accordingly, especially if refinancing could reduce long-term expenses.

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

As of October 14, 2025, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo loan stands at 6.175%, down by 1 basis point from yesterday and 91 basis points lower than 180 days ago. In contrast, the 30-Year Fixed Rate Jumbo increased slightly to 6.339%, up by 3 basis points from the previous day but still down by 39 basis points over the past two months. Borrowers may find opportunities in the modest fluctuations of these rates; however, potential homeowners should remain aware of the recent upward trend in longer-term fixed rates, which can affect overall borrowing costs. Careful consideration is advised when selecting a loan product in this environment.

Recent economic indicators show a significant shift in inflation expectations, particularly with the Breakeven Inflation Rate 5Yr dropping by 2.35 points in one day. This decline is mirrored in the mortgage market, where the Mortgage 30Yr Jumbo Average Rates decreased by 6.48 points over the past week and 6.66 points over the last two months, highlighting a trend toward lower borrowing costs. The lowest recorded mortgage rate is for 15-Year Average Rates, at 0.000%, suggesting potential opportunities for borrowers. As inflation expectations influence mortgage rates and yield curves, this environment may favor those looking to refinance or secure new loans. Monitoring these trends can guide informed financial decisions amid changing economic conditions.

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