November 1, 2025 | Lowest Adjustable ARM Rate Holds at 4.36% Today

As of November 1, 2025, the 7/6 ARM Purchase loan remains steady at 4.75%, unchanged over the past week and the last 30 days. This stability in adjustable rates translates to consistent yield spreads and borrowing costs for prospective homebuyers opting for this product. For members considering variable-rate loans, such as first-time buyers aiming to leverage lower initial payments, the current environment offers predictable cost structures without recent upward pressure. Veterans and refinancing applicants should note that no government-backed or refinance ARM products are listed today. Given this rate consistency, members may want to evaluate their mortgage strategy carefully; those prioritizing long-term payment certainty might consider fixed-rate options elsewhere, while others could monitor market shifts before locking in rates. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of November 1, 2025, the 5/1 Year Adjustable Rate Mortgage (ARM) for purchase loans remains steady at a competitive 4.75% with 1.0 points, showing no change from both one week and one month ago. This stability in yield spreads indicates consistent borrowing costs for members considering adjustable-rate options. For first-time buyers weighing initial affordability against future rate adjustments, this fixed introductory period offers predictable payments before potential market-driven shifts. Given the unchanged rate environment, members should assess their risk tolerance and long-term plans; those seeking payment certainty might explore fixed-rate alternatives if available. Veterans and others planning refinancing will find limited immediate benefit from rate movement but should monitor market trends closely. Consider reviewing your mortgage strategy regularly to balance initial costs and future rate exposure effectively. For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

On November 1, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for new purchases remains steady at 4.359%, with no change in yield compared to last week. This stability indicates no immediate shift in borrowing costs for members considering adjustable-rate options. For first-time buyers or those seeking lower initial rates, maintaining current ARM levels may offer predictable short-term affordability; however, the absence of rate movement suggests limited incentive to lock in or delay financing based on rate fluctuations alone. Veterans and others exploring refinancing alternatives should monitor these rates closely, as unchanged figures imply refinancing benefits will depend more on individual credit profiles than market shifts. Members are advised to evaluate fixed-rate options if prioritizing long-term payment stability and consider refinancing only if projected savings exceed associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 1, 2025, adjustable-rate mortgage products for home purchases show modest upward shifts in borrowing costs. The Conforming 7/6 ARM holds the lowest rate at 5.125%, rising by 12.5 basis points compared to last week. Similarly, the Conforming 5/5 ARM increased by 12.5 basis points to 5.25%, and the Conforming 10/6 ARM climbed by 12.5 basis points to 5.375%. The Conforming 15/15 ARM remains steady at 5.25%.

These incremental increases indicate a tightening yield spread environment, which may affect monthly payments for first-time buyers opting for ARMs with shorter fixed periods. Borrowers should assess how these changes influence their long-term cost of borrowing, especially if planning to refinance or hold loans beyond initial adjustment periods. Consider fixed-rate options if stability is a priority, or evaluate refinancing when potential savings exceed associated costs.

For details, visit https://www.sdfcu.org/rates#mortgages-block.

On November 1, 2025, TOWER reports stable mortgage rates across all available adjustable-rate mortgage (ARM) purchase programs. The 1 Year ARM holds the lowest rate at 4.875%, unchanged from last week, maintaining its position as the most cost-effective option for short-term borrowers seeking initial low rates. The 3 Year ARM remains steady at 5.000%, while the 5 Year ARM with 100% financing and the 7 Year ARM stand at 5.375% and 5.625%, respectively; all show no movement compared to seven days ago.

These consistent rates imply stable borrowing costs for members considering adjustable-rate loans, particularly first-time buyers who may benefit from lower initial payments. Veterans or those requiring longer fixed periods should evaluate the trade-offs between initial savings and potential future rate adjustments inherent in ARMs.

Members are advised to assess their financial goals carefully; for those prioritizing predictability, locking in fixed-rate options elsewhere might be prudent. Conversely, if short-term savings align with your strategy, these unchanged ARM rates offer clarity in planning without recent volatility. Consider refinancing only if projected savings exceed associated costs based on your loan term.

For details, visit https://www.towerfcu.org/rates/loan-rates#:~:text=will%20be%20higher.-,First%20Mortgage%20Rates%20%2D%20Fixed,-First%20Mortgage%20Rates

As of November 1, 2025, 7/1 ARM Purchase loans hold the lowest rate at 5.75%, unchanged from one week ago but down from 6.12% fifteen days prior, reflecting a 37 basis point decrease over two weeks. Meanwhile, the 10/1 ARM Purchase loan remains steady at 5.875%, with no change over the past seven and fifteen days. These stable yields suggest limited immediate volatility in adjustable mortgage costs for new homebuyers. Borrowers considering these ARMs should evaluate their short-term cost exposure given the fixed initial periods and potential rate adjustments thereafter. Members prioritizing payment predictability might consider fixed-rate alternatives if available; however, current ARM rates offer competitive entry points for those comfortable with adjustment risk. For data-driven decisions, assessing personal refinancing thresholds against prevailing yields is advisable.

For details, visit https://www.vcu.com/rates#mortgage-rates.

As of November 1, 2025, mortgage rates are mixed for jumbo loans. The 15-Year Fixed Rate Jumbo remains steady at 6.183%, with no change over the past day but a slight increase of 14 basis points over the last week. In contrast, the 30-Year Fixed Rate Jumbo also holds at 6.312%, unchanged from yesterday and only up 4 basis points in the past week. Over the past month, both products exhibit minimal fluctuations, indicating a relatively stable borrowing environment. Borrowers should consider these rates when evaluating their mortgage options, as even small changes can impact overall loan costs significantly.

As of November 1, 2025, breakeven inflation rates remain stable, with the 10-year rate at 2.300% and the 5-year rate at 2.400%, indicating steady inflation expectations that influence mortgage rates. The largest 7-day change was a rise in Mortgage 30Yr Usda Average Rates, increasing by 0.13 points, while the largest 30-day decline was seen in Mortgage 30Yr Average Rates, which fell by 0.17 points. Notably, the lowest mortgage rate currently is for the 15-year average, at 5.410%. Borrowers should be aware of these fluctuations as they impact overall borrowing costs and financial planning; monitoring these indicators will aid in making informed decisions on mortgage options.

Imagine waking up in your dream home, knowing you made a smart financial decision to get there. At LendMesh, that’s the kind of experience we want every homebuyer to have. We’ve built partnerships with credit unions and respected banks across the country, so you can compare rates and programs all in one place—without the usual confusion or fine print. Whether you’re taking your first steps into homeownership or considering a refinance, our resources are designed to answer your questions and help you feel confident at every turn. Ready to start your journey? Explore today’s top mortgage rates, find helpful tips, and see how much you could save by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story deserves a strong beginning, and we’re here to help you write it.