October 24, 2025 | Lowest Refinance Fixed Rate Holds at 4.75%

As of October 24, 2025, 15-Year Fixed-Rate Conventional Refinance loans hold the lowest rate at 5.5%, unchanged over the past week and month, reflecting stable yield spreads and consistent cost of borrowing for borrowers seeking shorter-term refinancing. Meanwhile, the 30-Year Fixed-Rate Conventional Refinance remains steady at 6.0%, also showing no change in the last seven and thirty days, maintaining current market conditions for long-term refinancing options.

This stability benefits members prioritizing predictable payments and those evaluating refinancing strategies to reduce long-term interest expenses without facing volatility. First-time buyers or veterans considering refinancing should weigh these fixed rates against their financial goals; consistent rates favor locking in fixed payments amid fluctuating markets.

Members are advised to consider fixed-rate options if they value payment certainty and to evaluate refinancing only when projected savings exceed associated costs.

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

As of October 24, 2025, refinance fixed-rate mortgages show stable yield spreads with the 15-year fixed at 5.00% and the 30-year fixed holding at 5.50%. The 15-year fixed rate remains the lowest available, unchanged from last week but down 12.5 basis points compared to 30 days ago, signaling a modest reduction in borrowing costs over the past month. The 30-year fixed rate is steady, showing no change over both the past week and month.

For members considering refinancing, these trends suggest potential savings on shorter-term loans, particularly if you prioritize reduced interest expense over a shorter payoff period. First-time buyers or those seeking long-term stability might find evaluating fixed-rate options valuable given current rate steadiness. Consider your mortgage strategy carefully; refinancing may be beneficial if projected savings exceed associated fees and closing costs.

As of October 24, 2025, the mortgage refinance landscape shows stability in yields for both 15-Year Fixed and 30-Year Fixed Rate loans. The 15-Year Fixed Refinance holds at a competitive 5.25% with a modest cost of 0.75 points, unchanged from last week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-Year Fixed Refinance rate remains steady at 5.75%, reflecting no weekly change and a decline of 25 basis points over the past month.

These steady rates benefit homeowners considering refinancing; shorter-term borrowers may capitalize on lower rates to reduce interest expense, while longer-term holders can evaluate fixed-rate options for predictable payments amid market shifts. Given recent declines in the 30-day window, members should assess whether refinancing costs align with potential savings.

Consider evaluating your mortgage strategy carefully; fixed-rate refinances offer cost control, especially if planning to hold the loan long term. For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of October 24, 2025, 15 Year Fixed Refinance rates remain steady at 4.875%, holding unchanged over the past week but down 37.5 basis points compared to 30 days ago. This decline reduces the cost of borrowing for members seeking shorter-term stability and faster equity build-up. Meanwhile, the 30 Year Fixed Refinance rate is unchanged at 5.75%, maintaining yield spreads consistent with recent months. Members refinancing long-term mortgages may find current rates neutral compared to last month but should evaluate their amortization preferences carefully.

For those prioritizing predictable payments and potential interest savings, consider fixed-rate options given the recent downward movement in shorter terms. Members are advised to assess refinancing feasibility based on individual financial goals and current loan terms.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of October 24, 2025, refinance fixed-rate mortgage products in Hawaii show stable short-term yields with some easing over the past month. The 15-year fixed refinance rate remains at 4.75%, unchanged from last week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-year fixed refinance rate holds at 5.625%, steady week-over-week and decreased by 25 basis points from a month prior.

For members considering refinancing, these trends indicate modestly lower borrowing costs over recent weeks, particularly for longer terms where yield spreads have narrowed. First-time buyers or those prioritizing predictable payments might focus on the lowest current rates of 4.75% for 15-year terms, while homeowners with extended loans could benefit from re-evaluating their mortgage strategy given the recent downward movement.

Data suggests evaluating refinancing when potential savings exceed associated costs; fixed-rate options provide stability amid evolving market conditions. Consider your financial goals and consult available resources to determine if refinancing aligns with your long-term cost management.

For details, visit https://hawaiistatefcu.com/personal/loans/home-loans/mortgage-refinance/.

As of October 24, 2025, Langley Credit Union’s refinance fixed-rate mortgage products remain steady with no changes over the past week or month. The 30-year fixed refinance rate holds at 4.99%, representing the lowest rate available among the options listed, while the 15-year fixed refinance rate stands at 5.78%. These unchanged rates suggest stable yield spreads and borrowing costs for members considering refinancing. For homeowners aiming to reduce long-term interest expenses, locking in a fixed-rate refinance loan may provide predictable payment structures amid market stability. Members should evaluate their mortgage strategy carefully; those prioritizing payment consistency might find the current rates advantageous for refinancing decisions. Consider your financial goals and loan terms when assessing potential savings versus refinancing costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of October 24, 2025, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for refinance products. The 15-year Conventional Fixed Refinance remains the lowest at 4.875% with 0.25 points, unchanged from last week but down 12.5 basis points over the past 30 days, reflecting a modest easing in borrowing costs for shorter-term fixed loans. Meanwhile, the 30-year Homebuyers Choice Loan Refinance holds steady at 6.375% with 0.5 points, also unchanged weekly and down by 12.5 basis points over the last month, indicating slight yield spread compression on longer-term fixed options.

For members prioritizing predictable payments, fixed-rate refinances continue to offer stability amid minor rate declines. Those with longer loan horizons should evaluate the potential savings from refinancing given recent downward adjustments in cost of borrowing. Consider your mortgage strategy carefully to leverage current market conditions.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1

As of October 24, 2025, WINGS FINANCIAL reports stable mortgage rates for refinance loans. The 15-year fixed-rate loan holds steady at 5.125%, unchanged from a week ago but down 12.5 basis points compared to 30 days prior. Similarly, the 30-year fixed-rate loan remains at 5.875%, with no weekly change and a decline of 12.5 basis points over the past month. These yield spreads suggest a modest reduction in the cost of borrowing for borrowers seeking to refinance with fixed terms. Members considering shorter-term refinancing may benefit from the lower 15-year rate, which offers faster principal payoff and potentially reduced interest expenses. For those prioritizing long-term payment stability, the unchanged 30-year rate still reflects an improved borrowing environment relative to last month. Evaluate your mortgage strategy based on your financial goals; consider refinancing if projected savings exceed associated costs. For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.

As of October 24, 2025, mortgage rates have shown slight fluctuations. The 15-Year Fixed Rate Jumbo is currently at 6.038%, down by 0.02 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains stable at 6.221%, with no change in the last day. Over the past week, the 30-Year Fixed Rate Jumbo has decreased by 0.07 basis points, indicating a modest downward trend in borrowing costs for this product. In contrast, both loan types have seen notable decreases over the past month and two months, particularly the 15-Year Fixed Rate Jumbo, which has dropped by 0.33 basis points in the last 60 days. Borrowers may find these rates favorable when considering their financing options.

Recent data indicates a stable Breakeven Inflation Rate 10Yr at 2.300%, while the 5Yr rate rose by 0.13 points over the past week, suggesting heightened inflation expectations. Mortgage rates show slight stability with 15Yr Average Rates holding at 5.440% and the 30Yr FHA Average Rates at 6.074%, which represents the lowest among various mortgage products. Notably, the 30Yr USDA Average Rates fell by 0.14 points in the last month, potentially easing borrowing costs for eligible buyers. With inflation expectations influencing overall borrowing costs, borrowers should closely monitor these trends to make informed financial decisions.

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