November 3, 2025 | Lowest Conventional Fixed Rate Holds at 4.50% Today

As of November 3, 2025, AFFINITY reports stable mortgage rates across key fixed-rate purchase products. The 15-Year Fixed Rate Purchase remains at 5.125%, holding steady with no change in the past 7 or 30 days, representing the lowest available rate among current offerings. The 30-Year Fixed Rate Purchase also remains unchanged at 5.75%, reflecting no movement over both one week and one month intervals.

For members prioritizing lower interest costs and shorter loan durations, the 15-Year Fixed Rate continues to offer a competitive yield spread, potentially reducing total interest paid over time. Meanwhile, borrowers seeking longer-term payment stability face consistent borrowing costs with the 30-Year Fixed Rate option.

Given these stable rate conditions, members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value predictability in payments. Additionally, first-time buyers may benefit from locking in current rates before any market shifts. Refinancing may be less urgent as rates have not increased recently but remain mindful of individual financial goals.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of November 3, 2025, fixed-rate purchase mortgages at ALOHA PACIFIC remain stable. The 15 Year Conforming Fixed rate holds steady at 4.5%, unchanged over the past week. Similarly, the 30 Year Conforming Fixed purchase rate remains at 5.0%, with no movement in the last seven days. This stability in rates suggests consistent borrowing costs for members considering new home purchases.

For first-time buyers and those prioritizing predictable payments, the 15-year fixed option at 4.5% offers a lower yield spread and shorter amortization, potentially reducing total interest expenses. Meanwhile, buyers seeking longer terms can assess the 30-year fixed rate at 5.0% for manageable monthly payments despite higher overall cost.

Given these static rates, members should evaluate whether locking in current rates aligns with their financial goals or consider refinancing only if potential savings exceed transaction costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On November 3, 2025, mortgage rates at BAXTER show mixed movements for purchase loans. The 15 Year Fixed with 1.000 Points increased by 12.5 basis points, rising to 5.125% from a week ago, but remains lower by 12.5 basis points compared to 30 days prior. This shorter-term fixed option offers the lowest rate today, benefiting borrowers prioritizing faster payoff and lower interest expense.

Meanwhile, the 30 Year Fixed with 0.750 Points held steady at 5.875% over the past week, marking no change but down 12.5 basis points from one month ago. This stability may appeal to buyers seeking predictable monthly payments amid recent market fluctuations.

For members evaluating their mortgage strategy, those favoring rate certainty should consider fixed-rate products given current yield spreads. Borrowers might assess refinancing opportunities if potential savings outweigh associated costs, especially with the modest decline over 30 days.

For details, visit https://www.bcu.org/legal/rates?ids=Loans%2cMortgages.

On November 3, 2025, the 30-year Fixed-Rate Mortgage for Purchase remains steady at 5.0%, unchanged from one week ago. This stability in rates means that borrowing costs have held firm over the past seven days, providing predictable yield spreads for prospective homebuyers. For first-time buyers, consistent fixed rates support clearer long-term budgeting without exposure to interest rate volatility. Although no changes were observed over the recent 30-day period, members should continue monitoring market trends as even small shifts in basis points can impact overall loan affordability.

Given current conditions, members valuing payment stability should consider fixed-rate options; those evaluating entry into the housing market might benefit from locking in rates now. Additionally, assessing refinancing opportunities remains prudent when potential savings surpass transaction costs.

For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 3, 2025, FAMILY TRUST reports stable mortgage rates for purchase loans. The 15-Year Fixed Rate remains at a competitive 4.708%, unchanged from one week ago, reflecting consistent borrowing costs for borrowers prioritizing shorter-term commitments. Meanwhile, the 30-Year Fixed Rate holds steady at 5.553%, maintaining its current yield without fluctuation over the past seven days. These fixed-rate products provide predictable payment structures suitable for first-time buyers and those seeking long-term budget certainty. Given the absence of rate movement, members might evaluate fixed-rate options if they value stability or consider refinancing when potential savings outweigh associated costs. For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of November 3, 2025, 15 Year Fixed Purchase loans maintain the lowest rate at 4.875%, unchanged from one week ago but down 38 basis points compared to 30 days prior. This decrease reduces the cost of borrowing for buyers seeking shorter-term commitments, benefiting those aiming to build equity faster. Meanwhile, the 30 Year Fixed Purchase rate remains steady at 5.75%, showing no change over the past month, preserving yield spreads for long-term financing.

For members prioritizing payment stability and predictability, fixed-rate options continue to offer clear benchmarks for budgeting. Given the recent drop in shorter-term rates, buyers may find value in evaluating their mortgage strategy based on term length and total interest costs. Consider refinancing if potential savings exceed associated fees to optimize financial outcomes.

For details, visit https://fccu.org/rates/home-loan-rates.

As of November 3, 2025, First Financial of Maryland reports stable mortgage rates for key purchase loan products. The 15-Year Land Loan holds steady at 6.75%, unchanged from one week ago, indicating no immediate shift in borrowing costs for land acquisition financing. Meanwhile, the 30-Year Fixed Purchase rate remains at a competitive 6.125%, also unchanged over the past seven days. These fixed-rate offerings provide predictable payment structures amid a stable interest rate environment.

For members prioritizing long-term budget certainty, the 30-Year Fixed Purchase presents the lowest current yield among available options. First-time buyers may find this advantageous for planning consistent monthly payments, while those purchasing land face stable costs with the 15-year term. Given the absence of recent rate fluctuations, borrowers should assess whether fixed-rate loans align with their financial goals or consider timing adjustments based on future market movements.

Evaluate your mortgage strategy carefully; consider fixed-rate options if you value payment stability and monitor refinancing opportunities to optimize long-term borrowing costs. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of November 3, 2025, fixed-rate high balance mortgages for purchases remain steady at 5.50% for 15-year terms and 5.75% for 30-year terms, both unchanged from one week ago. Stability in these rates means borrowing costs have not increased recently, providing predictability for borrowers with larger loan amounts. First-time buyers and those seeking long-term financing can benefit from the consistency in yield spreads, avoiding rate volatility risk. Given no recent upward pressure on rates, members might evaluate fixed-rate options if they prioritize payment certainty over adjustable alternatives. For those considering refinancing or purchasing, monitoring changes beyond a 30-day window is advisable to capture broader market trends. Data-driven decision-making suggests reviewing your mortgage strategy regularly and considering refinancing only if potential savings exceed associated costs. For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

On November 3, 2025, the Super Conforming 15 Year Fixed Purchase mortgage rate increased by 25 basis points to 5.125%, reflecting a notable rise in the cost of borrowing for shorter-term fixed loans compared to last week’s 4.875%. This uptick may impact buyers seeking faster equity buildup through lower-term loans. Meanwhile, the Super Conforming 30 Year Fixed Purchase rate remained steady at 5.625%, maintaining yield stability for borrowers prioritizing long-term payment predictability.

First-time homebuyers and those focused on manageable monthly payments might find the unchanged 30-year fixed option more predictable amid recent short-term rate volatility. Evaluating fixed-rate options can support financial planning in this environment. Members should consider their mortgage strategy carefully; refinancing may be prudent if projected savings exceed associated costs given current rate shifts.

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

As of November 3, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 5.14%, unchanged from one week ago, representing the lowest rate among today’s options. Meanwhile, the 30-Year Fixed Purchase rate increased by 13 basis points, rising to 5.73% from 5.60% a week prior. This uptick reflects a modest rise in yield spreads for longer-term fixed loans, increasing the overall cost of borrowing for buyers seeking extended terms.

For first-time homebuyers and those prioritizing lower monthly payments, the recent increase in the 30-year fixed rate may prompt consideration of shorter-term fixed options or adjustable-rate alternatives when available. Veterans and refinance candidates should monitor these trends closely, as stable shorter-term rates could offer more predictable financial planning.

Members are advised to evaluate their mortgage strategies carefully; those valuing payment stability might prefer the unchanged 15-Year Fixed rate, while others may consider refinancing if potential savings exceed associated costs.

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

Mortgage rates have shown mixed movements today, with the 15-Year Fixed Rate Jumbo at 6.138%, down by 0.04 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains unchanged at 6.308%. Over the past week, the 15-Year Fixed Rate Jumbo has increased by 0.12 basis points, indicating a slight upward trend recently. In contrast, both products reflect a decrease over the past month, with the 15-Year Fixed Rate Jumbo falling by 0.06 basis points. Borrowers should note these fluctuations as they could impact their overall cost of borrowing; considering locking in rates may be beneficial if stability is preferred.

Recent data shows the Breakeven Inflation Rate for 10 years steady at 2.300%, while the 5-year rate increased to 2.400%. Changes in these rates can influence mortgage rates, as rising inflation expectations typically lead to higher borrowing costs. The largest shifts observed include a drop of 6.45 points in the Mortgage 30Yr Jumbo Average Rates, now at 6.450%, indicating potential affordability challenges for homebuyers. Additionally, the Mortgage 30Yr FHA Average Rates decreased by 6.080 points, reflecting market adjustments that may present opportunities for some borrowers. Monitoring these indicators is crucial for making informed financial decisions amidst fluctuating economic conditions.

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