October 28, 2025 | VA Fixed Loans Drop to a New Low at 4.75%

As of October 28, 2025, Federal VA Loans for home purchases remain stable at 5.0% for the 15-year fixed and 5.5% for the 30-year fixed, with no change over the past week. Compared to 30 days ago, these rates have decreased by 12.5 basis points, indicating a modest reduction in borrowing costs for eligible veterans and service members. The lower yield spreads on these VA products can improve affordability for first-time buyers and those seeking long-term financing security.

Members should consider that while short-term stability in rates supports predictable payment planning, the slight monthly decline may present timely refinancing opportunities or entry points for new purchases. For those prioritizing payment certainty, fixed-rate VA loans continue to offer competitive terms with consistent yields.

Evaluate your mortgage strategy by comparing current rates against your financial goals; consider fixed-rate options if you value rate stability or explore refinancing if potential savings exceed associated costs. For details, visit https://www.capitalcu.com/mortgage-rates.

As of October 28, 2025, the VA 30-year fixed purchase loan at 5.25% with 1.0 point reflects a modest increase of 12.5 basis points compared to one week ago. This slight uptick follows a recent downward trend, as rates remain 12.5 basis points lower than 30 days ago, indicating some yield spread volatility in government-backed loan pricing. For veterans and first-time buyers relying on VA loans, this change marginally raises the cost of borrowing but keeps the rate near historic lows within recent months. Members considering new home purchases should weigh the benefit of locking in current fixed rates against potential future fluctuations. Evaluating mortgage strategy with an emphasis on rate stability could be prudent given recent shifts. Consider refinancing only if projected savings exceed associated costs over the loan term. For details, visit https://www.columbiacu.org/home-loans/.

As of October 28, 2025, 15-year VA Loans for purchase remain at a competitive 5.125%, unchanged over the past week but down 37.5 basis points compared to 30 days ago. Similarly, the 30-year VA fixed purchase loans hold steady at 5.625%, with no weekly change and a notable decrease of 37.5 basis points month-over-month. These lower yields reflect a narrowing cost of borrowing for veterans considering homeownership, supporting more favorable long-term financial planning. First-time buyers and returning purchasers should assess fixed-rate options for predictable payments amid stable short-term rates. Given these trends, members are encouraged to evaluate refinancing opportunities to potentially reduce interest expenses if closing costs are justified by rate improvements.

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

As of October 28, 2025, 15-year Fixed Purchase mortgage rates remain steady at 5.00%, unchanged from one week ago but down by 25 basis points compared to 30 days prior. Similarly, the 30-year Fixed Purchase rate holds at 5.50%, with no weekly change and a 25 basis points decline over the past month. These shifts indicate a modest reduction in long-term borrowing costs, benefiting borrowers seeking predictable payments. First-time buyers may find the 15-year fixed option at 5.00% particularly advantageous for faster equity building and lower overall interest expense. Meanwhile, those prioritizing payment stability on larger loan amounts should evaluate the current 30-year fixed rate at 5.50%. Given this environment, members are advised to consider fixed-rate options if stability is a priority or assess refinancing opportunities where potential savings exceed transaction costs. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of October 28, 2025, the 30-year Fixed VA Home Loan rate stands at 4.99%, marking a significant decrease of 161 basis points compared to one week ago when it was 6.60%. This sharp decline in yield spreads reduces the overall cost of borrowing for eligible veterans and active-duty service members seeking to purchase a home. Lower rates improve affordability by decreasing monthly payments, which can be particularly impactful for first-time buyers utilizing VA benefits.

Given this notable reduction, members considering a purchase with a VA Home Loan should evaluate their mortgage strategy carefully. Locking in a fixed-rate loan now may provide long-term payment stability amid volatile market conditions. Additionally, veterans weighing financing options might find this an opportune moment to secure favorable terms.

For details, visit https://forteracu.com/banking/personal/loans/home-loans/mortgage.

On October 28, 2025, VA 15-Year Fixed Purchase loans maintain the lowest rate at 5.125%, unchanged over the past week but down 25 basis points from 30 days ago. Similarly, VA 30-Year Fixed Purchase loans hold steady at 5.75%, with no weekly change and a notable decrease of 37.5 basis points month-over-month. These stable yield spreads suggest a favorable borrowing environment for veterans seeking to purchase homes, offering predictable costs over fixed terms. First-time buyers and those prioritizing long-term budget certainty may find these fixed options advantageous amid recent rate declines. Evaluating refinancing opportunities could be beneficial if the potential savings outweigh closing costs. Consider fixed-rate products if stability aligns with your financial goals.

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

On October 28, 2025, 15-year VA fixed mortgage rates increased by 12.5 basis points, rising to 5.125% from last week’s 5.0%, slightly raising the cost of borrowing for veterans seeking shorter-term financing. Conversely, the 30-year VA fixed rate held steady at 5.375%, showing no change over seven days but a notable decline of 24.9 basis points compared to 30 days ago, improving affordability for long-term homebuyers and those refinancing.

First-time buyers and veterans evaluating financing options should note the recent uptick in shorter-term rates may increase monthly payments, while the stable 30-year rate offers predictable yield spreads beneficial for budgeting. Consider fixed-rate loans if stability is a priority; alternatively, assess refinancing viability when potential savings surpass associated costs.

For details, visit https://www.macu.com/rates/home.

As of October 28, 2025, Navy Federal Credit Union's mortgage rates show notable shifts in VA loan pricing. The 15 Year VA Loan remains steady at 4.875% with 0.5 points, reflecting no change over the past week or month; this stability benefits veterans seeking shorter-term financing with predictable costs. Conversely, the 30 Year VA Loan rate has declined significantly by 112.5 basis points over seven days and 125 basis points over 30 days, now at 5.25% with 0.625 points. This reduction lowers long-term borrowing costs for members pursuing extended amortization, enhancing affordability on new purchases.

Members should evaluate fixed-rate options like these to maintain consistent payment schedules amid market fluctuations. Given the recent downward trend in the 30-year VA rate, veterans considering home purchases may find this an opportune time to assess their mortgage strategy. Consider refinancing if projected savings exceed associated fees to optimize financial outcomes.

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

As of October 28, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 4.75%, holding the lowest yield among today's options. This rate is unchanged from one week ago but shows a modest decline of 12.5 basis points compared to 30 days prior, indicating a slight easing in borrowing costs for shorter-term fixed loans. Meanwhile, the 30-Year Fixed Purchase rate persists at 5.25%, unchanged over the past week but down by 24 basis points versus one month ago, offering longer-term borrowers reduced financing expenses relative to recent months.

For members prioritizing payment stability and predictable budgeting, these trends support considering fixed-rate mortgages at current yields. First-time buyers may find improved affordability with these marginally lower rates, while those with existing adjustable loans should evaluate if locking in today’s fixed rates aligns with their financial goals. Veterans and refinance candidates should monitor comparable products as government-backed options were not available today.

Evaluate your mortgage strategy by assessing whether refinancing costs are justified by potential savings under current fixed-rate conditions. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of October 28, 2025, the VA 15-Year Fixed Purchase mortgage holds the lowest rate at 4.875%, unchanged over the past week but down 12.5 basis points compared to 30 days ago. This stability benefits veterans and active-duty borrowers seeking shorter-term financing with predictable payments and lower overall interest costs. Conversely, the VA 30-Year Fixed Purchase rate rose by 12.5 basis points in the last week to 5.625%, though it remains down 25 basis points from a month prior. This increase slightly raises the cost of borrowing for longer-term VA loans, impacting monthly affordability for new buyers prioritizing extended repayment terms.

Members should consider fixed-rate options like the VA 15-Year loan if payment stability and lower total interest are priorities. For those evaluating home purchase strategies, tracking these yield spreads helps balance upfront costs with long-term financial planning. Consider refinancing only if projected savings exceed associated fees.

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

As of October 28, 2025, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.008%, down by 0.01% from yesterday and 0.10% over the past week, marking a notable decline of 0.20% in the last 30 days. In contrast, the 30-Year Fixed Rate Jumbo has increased slightly to 6.281%, up by 0.02% in one day but stable compared to last week. Borrowers may find opportunities in shorter loan terms, as the lower rates on the 15-Year Fixed Rate Jumbo can reduce overall borrowing costs significantly compared to longer-term products.

Inflation expectations, as reflected in the Breakeven Inflation Rate 10Yr at 2.280%, influence mortgage rates and the overall cost of borrowing. Recent data shows significant declines in Mortgage 30Yr Jumbo Average Rates, which dropped by 6.53 points in just one day, indicating heightened volatility. Over the last week, these rates fell by 6.42 points, while over the past month, they decreased by 6.56 points. The lowest mortgage rate currently reported is for the 30Yr USDA Average Rates at 5.999%. Borrowers should closely monitor these shifts as they can greatly affect monthly payments and long-term financial planning; staying informed will help manage costs effectively.

Every homebuyer’s journey is unique, but the need for trustworthy information is universal. That’s why LendMesh brings together a wide network of banks and credit unions, offering you the best mortgage rates and personal guidance you won’t find anywhere else. Our mission is to simplify the complex, whether you’re curious about pre-qualification, interested in refinancing, or planning a long-term financial future. We combine human stories with financial know-how, making it easier for you to step into the home you love. Take your next step by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . because at LendMesh, your story matters.