October 29, 2025 | Secure a 4.75% Fixed Purchase Rate Today

As of October 29, 2025, the 15-Year Fixed Purchase Mortgage holds steady at a rate of 5.125%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This stability in rates suggests consistent borrowing costs for members seeking shorter-term fixed financing. For first-time buyers and those prioritizing predictable payments, locking in this lowest available rate can mitigate interest rate risk amid broader market fluctuations. While no movement occurred over the past week, the month-over-month decline may improve affordability slightly. Members considering home purchases should evaluate whether a fixed-rate structure aligns with their financial planning horizon. In particular, shorter terms like this may benefit those aiming to reduce total interest paid over time. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of October 29, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.125%, unchanged from one week ago but down 37.5 basis points compared to 30 days prior. This decline reduces the overall cost of borrowing for first-time and low-to-moderate income buyers relying on government-backed loans. Stable yields over the past week suggest limited volatility in borrowing costs, which benefits members seeking predictable monthly payments. Given this environment, members considering home purchases with FHA 30 Year Fixed loans may find it prudent to lock rates if they prioritize long-term stability. Additionally, evaluating refinancing options could be advantageous if current rates align favorably against existing loan terms. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of October 29, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 4.875%, unchanged from last week but down 37.5 basis points compared to 30 days ago. The FHA 30-Year Fixed Purchase program remains steady at 5.5%, also flat over the past seven days with a notable decline of 37.5 basis points month-over-month. These shifts reflect a modest easing in borrowing costs for fixed-rate FHA purchase loans, benefiting buyers seeking longer-term stability and predictable payments. First-time homebuyers may find the shorter 15-year term advantageous for faster equity building despite slightly higher monthly payments. Evaluating fixed-rate options is prudent if you prioritize payment consistency amid yield fluctuations. Members considering purchase financing should monitor these trends to align mortgage choices with their financial goals. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates

As of October 29, 2025, the 30-year Fixed FHA Purchase mortgage rate remains at a steady 5.375%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This incremental rise in yield reflects a slight increase in the cost of borrowing for first-time buyers and those leveraging government-backed programs. Stability over the past week provides predictable payment structures, benefiting members prioritizing long-term budget certainty. However, the month-over-month increase suggests evaluating refinancing opportunities if current rates exceed your existing loan by more than closing costs. Members should consider fixed-rate options for consistent payments amid modest upward pressure on rates. For details, visit https://fccu.org/rates/home-loan-rates.

On October 29, 2025, 15 Year Fixed FHA Mortgages remain at a competitive 5.00%, unchanged from one week ago but down 49 basis points compared to 30 days prior. This rate offers the lowest borrowing cost among today’s FHA purchase options, benefiting borrowers seeking shorter-term stability and lower total interest expense. Meanwhile, the 30 Year Fixed FHA Mortgage holds steady at 5.25%, also unchanged week-over-week, with a modest decline of 12.5 basis points over the past month. These trends reflect stable yield spreads in government-backed loans, which may influence first-time buyers and those prioritizing long-term payment predictability. Members should evaluate their mortgage strategy accordingly; consider fixed-rate options if you value payment consistency or assess refinancing possibilities when potential savings exceed associated costs. For details, visit https://www.gwcu.org/rates/homeloans.

On October 29, 2025, 15-year FHA purchase loans remain at a competitive 4.875%, holding steady over the past week but down 25 basis points compared to 30 days ago. Similarly, 30-year FHA purchase rates are unchanged at 5.25%, reflecting a modest decline of 12.5 basis points month-over-month. These stable yields suggest a tightening in borrowing costs for first-time and moderate-income buyers utilizing government-backed programs. The unchanged week-to-week rates provide predictability in yield spreads for those planning near-term home purchases, while the month-long declines may improve affordability relative to recent quarters. Members prioritizing rate stability should consider these fixed FHA options; those evaluating timing might assess potential savings against market volatility. For details, visit https://www.macu.com/rates/home.

As of October 29, 2025, the 30-year Fixed FHA Purchase Loan maintains a steady rate at 5.25%, unchanged over the past week and month. This stability in rates indicates consistent yield spreads and borrowing costs for first-time homebuyers relying on government-backed financing. With no basis point movement recently, members can anticipate predictable mortgage payments without unexpected rate fluctuations. For those considering purchase loans, especially buyers seeking low down payment options, this fixed rate environment supports budget certainty. Evaluating fixed-rate FHA loans remains prudent if you prioritize long-term payment stability amid market steadiness. Consider reviewing your mortgage strategy to confirm alignment with current cost structures and potential refinancing opportunities.

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

As of October 29, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 4.75%, matching last week’s yield and marking a 24 basis points decline from 30 days ago. This lower rate environment supports borrowers prioritizing faster amortization and reduced interest expense over time. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.25%, unchanged from one week prior but down 12.5 basis points versus a month ago, offering more affordable long-term financing for buyers seeking stable monthly payments.

These modest declines in fixed-rate mortgages can reduce the cost of borrowing for homebuyers and may prompt existing homeowners to evaluate refinancing strategies. Members valuing predictable payments should consider fixed-rate options, while those weighing purchase timing may benefit from these recent yield spreads.

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

As of October 29, 2025, FHA 15-Year Fixed Purchase loans remain steady at 5.125%, holding the lowest rate among today’s options with no change over the past week or month. This stability benefits borrowers seeking shorter-term financing with predictable payments and lower interest costs compared to longer terms. Meanwhile, the FHA 30-Year Fixed Purchase rate stands at 5.875%, unchanged from last week but down by 12.5 basis points over 30 days, slightly reducing long-term borrowing costs for first-time buyers prioritizing affordability through extended terms.

Members should assess their mortgage horizon carefully; those valuing payment certainty might favor the stable 15-year FHA fixed rate, while others may consider the modest recent decline in the 30-year FHA fixed rate to optimize monthly cash flow. Evaluating refinancing strategies could be prudent if potential savings exceed associated fees.

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

As of October 29, 2025, the 30-year Fixed FHA Loan for home purchases is priced at a rate of 3.5%, marking a notable increase of 50 basis points compared to one week ago. This upward movement in yield spreads reflects a rising cost of borrowing for members seeking government-backed financing. First-time buyers relying on FHA loans should be aware that higher rates may increase monthly payments and overall loan costs. While refinance options are not currently listed, those considering purchase loans might evaluate fixed-rate products if they prioritize payment stability amid market fluctuations. Members should analyze their mortgage strategy carefully, factoring in these recent shifts to determine if locking in current rates or adjusting loan plans better aligns with their financial goals. For details, visit https://umcu1.mortgagewebcenter.com/responsive/#/ApplyNow.

As of October 29, 2025, mortgage rates have experienced a slight decline. The 15-Year Fixed Rate Jumbo is now at 6.065%, down by 0.05 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.254%, decreasing by 0.03 basis points over the same period. Over the past week, the 15-Year Fixed Rate Jumbo has risen by 0.12 basis points, indicating mixed trends in short-term rates. In contrast, the biggest drop in recent weeks occurred in the 30-Year Fixed Rate Jumbo, which has fallen by 0.15 basis points over the last month. Borrowers may find opportunities in this fluctuating landscape, especially with the current lowest rate available at 6.065% for the 15-Year Fixed Rate Jumbo.

Current inflation expectations are reflected in the Breakeven Inflation Rate, with the 10-year rate at 2.280% and the 5-year rate at 2.360%. These rates influence mortgage rates, which are crucial for determining the cost of borrowing. Recently, the Mortgage 30Yr Usda Average Rates experienced the most significant decline, falling by 0.21 points over the past week and 0.38 points over the last month, making it one of the lowest rates at 5.798%. Additionally, the largest 60-day decline occurred in the Mortgage 30Yr Average Rates, down by 6.56 points. Borrowers should consider these trends when evaluating loan options, as fluctuations can significantly impact affordability and long-term financial planning.

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