Introduction
On November 5, 2025, mortgage rates continue to show subtle shifts that could make a meaningful difference for homebuyers and homeowners alike. While some credit unions have nudged their FHA 30-year fixed loans up slightly, others like Goldenwest and Mountain America hold steady on their 15-year FHA offerings. Zillow’s jumbo loan rates ticked higher by a few basis points this week, reflecting broader market movements. Inflation expectations remain relatively stable with minor fluctuations in the Federal Reserve’s breakeven inflation rates. If you’re eyeing a purchase or refinance, the lowest rate today is a 15-year fixed FHA mortgage at 4.99% from Potlatch No 1 Financial, a standout option for those wanting to build equity faster without jumping into jumbo territory. Here’s what you need to know before locking in a rate.
New Purchase - FHA 15 yrs Fixed
Lender
2025-11-05
(Current Day)
(Current Day)
2025-10-29
(7 Days Ago)
(7 Days Ago)
2025-10-21
(15 Days Ago)
(15 Days Ago)
2025-10-06
(30 Days Ago)
(30 Days Ago)
2025-09-21
(45 Days Ago)
(45 Days Ago)
2025-09-06
(60 Days Ago)
(60 Days Ago)
2025-08-07
(90 Days Ago)
(90 Days Ago)
2025-05-09
(180 Days Ago)
(180 Days Ago)
5.13%
5.13%
5.13%
5.13%
5.13%
5.50%
+37.5 bps
5.50%
+37.5 bps
5.75%
+62.5 bps
New Purchase - FHA 30 yrs Fixed
Lender
2025-11-05
(Current Day)
(Current Day)
2025-10-29
(7 Days Ago)
(7 Days Ago)
2025-10-21
(15 Days Ago)
(15 Days Ago)
2025-10-06
(30 Days Ago)
(30 Days Ago)
2025-09-21
(45 Days Ago)
(45 Days Ago)
2025-09-06
(60 Days Ago)
(60 Days Ago)
2025-08-07
(90 Days Ago)
(90 Days Ago)
2025-05-09
(180 Days Ago)
(180 Days Ago)
5.49%
5.13%
-36.5 bps
5.25%
-24 bps
5.50%
+1 bps
5.49%
5.63%
+13.5 bps
5.63%
+13.5 bps
6.00%
+51 bps
5.38%
5.25%
-12.5 bps
5.25%
-12.5 bps
5.38%
5.38%
5.63%
+25 bps
5.75%
+37.5 bps
5.88%
5.88%
5.88%
6.00%
+12.5 bps
6.00%
+12.5 bps
6.25%
+37.5 bps
6.25%
+37.5 bps
6.38%
+50 bps
DESERT FINANCIAL CREDIT UNION
On November 5, 2025, the FHA 30 Year Fixed Purchase mortgage rate is at 5.49%, reflecting an increase of 36.5 basis points compared to one week ago. This uptick slightly raises the cost of borrowing for first-time buyers relying on government-backed financing. Over the past 30 days, rates have remained relatively stable with a minor decline of 1 basis point, indicating limited volatility in yield spreads for this product. Members considering home purchases with FHA loans should account for recent upward movement when budgeting monthly payments. For those prioritizing predictable costs, evaluating fixed-rate options remains prudent amid these shifts. Additionally, assessing refinancing feasibility could help reduce long-term expenses if current rates present savings after closing costs. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.
FIRST COMMUNITY CREDIT UNION
As of November 5, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This slight increase in yield spreads indicates a modest rise in the cost of borrowing for first-time buyers relying on government-backed loans. Borrowers prioritizing payment stability should note that fixed rates provide predictable monthly obligations despite recent upward pressure. Veterans and those refinancing are not directly impacted by this product update today. Members are advised to evaluate their mortgage strategy carefully; considering fixed-rate options may help manage long-term financial planning amid rate fluctuations. For details, visit https://fccu.org/rates/home-loan-rates.
GOLDENWEST FEDERAL CREDIT UNION
On November 5, 2025, the 15 Year Fixed FHA Mortgage purchase rate remains at 5.0%, steady over the past week but down 25 basis points from 30 days ago, indicating a slight easing in borrowing costs for shorter-term FHA loans. Conversely, the 30 Year Fixed FHA Mortgage purchase rate increased by 12.5 basis points week-over-week to 5.375%, maintaining stability compared to a month prior. This yield spread suggests that borrowers seeking longer terms face marginally higher rates recently.
For first-time buyers and those targeting government-backed financing, the stable 15-year fixed rate presents a cost-effective option for accelerated equity building. The uptick in the 30-year fixed rate may impact affordability for longer commitments, warranting a review of mortgage strategy. Members should assess their financial goals and consider fixed-rate loans if they prioritize payment consistency or evaluate refinancing options when potential savings exceed transaction costs.
For details, visit https://www.gwcu.org/rates/homeloans.
JSC FEDERAL CREDIT UNION
As of November 5, 2025, the 30-year FHA Fixed Purchase mortgage rate remains steady at 5.625%, showing no change compared to both one week and one month ago. This stability in rates means the cost of borrowing for first-time buyers relying on government-backed FHA loans is unchanged, allowing for consistent budget planning without unexpected shifts in yield spreads. For members prioritizing long-term payment certainty, maintaining a fixed-rate option at this level supports predictable monthly obligations. Given this rate consistency, members should consider fixed-rate mortgages if they value payment stability and evaluate their options carefully when deciding on new purchases or refinancing to ensure favorable financial outcomes over time. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.
MOUNTAIN AMERICA FEDERAL CREDIT UNION
On November 5, 2025, 15-year FHA fixed purchase loans rose by 12.5 basis points, moving from 4.875% a week ago to 5.0%, increasing the cost of borrowing for shorter-term FHA borrowers. Meanwhile, the 30-year FHA fixed purchase rate remained steady at 5.25%, showing no change over the past seven days and holding as the highest rate option listed. The uptick in the 15-year product suggests a modest increase in yield spreads that could impact buyers seeking lower-term financing with government backing. Members prioritizing payment stability may evaluate fixed-rate options carefully, while those considering longer terms should monitor market shifts for potential refinancing opportunities. Given these trends, evaluate your mortgage strategy to balance term length against current rates effectively.
For details, visit https://www.macu.com/rates/home.
PACIFIC SERVICE CREDIT UNION
On November 5, 2025, the FHA 30-Year Fixed Purchase mortgage rate at PACIFIC SERVICE remains steady at 5.375%, showing no change from one week ago. Stability in this rate supports predictable borrowing costs for first-time homebuyers who often rely on FHA programs. The unchanged rate over seven days suggests minimal short-term volatility in government-backed loan yields, which can aid members in planning their financing strategies with greater certainty. While recent trends show a slight decline from 15 days prior, maintaining current rates may reflect underlying market conditions favoring steady yield spreads. Members considering home purchases should evaluate fixed-rate options to lock in consistent payments amid potential future fluctuations. For details, visit https://www.pacificservice.org/rates#tab4.
PENTAGON FEDERAL CREDIT UNION
As of November 5, 2025, the 30-year Fixed FHA Loan for home purchases remains steady at 5.25% with 1.125 points, showing no change from both one week and one month ago. This stable yield indicates consistent borrowing costs for first-time buyers and those relying on government-backed financing, maintaining predictable monthly payments amid market fluctuations. For members prioritizing payment certainty, this rate environment supports evaluating fixed-rate options without increased premium concerns. Given the unchanged spread, now is a suitable time to assess your mortgage strategy carefully; consider fixed-rate loans if long-term stability aligns with your financial goals or explore refinancing only if projected savings exceed associated costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.
POTLATCH NO. 1 FINANCIAL CREDIT UNION
As of November 5, 2025, 15-Year Fixed Purchase mortgage rates stand at 4.99%, marking a notable increase of 24 basis points over the past week and 11.5 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Purchase rate remains steady at 5.375%, up modestly by 12.5 basis points from last week but unchanged month-over-month. These shifts indicate a rising cost of borrowing for shorter-term fixed loans, which may impact members prioritizing accelerated payoff schedules. First-time buyers and those seeking longer-term stability face relatively stable yields on the 30-year option, suggesting less volatility in monthly payments. Given these dynamics, members should consider fixed-rate options if they value payment consistency and carefully evaluate refinancing strategies where potential savings exceed associated fees.
For details, visit https://www.p1fcu.org/personal/mortgage-rates.
SCHOOLSFIRST FEDERAL CREDIT UNION
On November 5, 2025, SCHOOLSFIRST members seeking FHA fixed-rate mortgages will find 15-year loans at 5.125%, unchanged over the past week and stable since 30 days ago. This rate reflects a lower cost of borrowing compared to earlier months, benefiting buyers prioritizing shorter terms and faster equity buildup. Meanwhile, the 30-year FHA fixed rate stands at 5.875%, steady from last week but down by 12.5 basis points versus one month prior, indicating modest yield spread compression. For first-time homebuyers or those needing longer repayment periods, this decrease slightly improves affordability. Members should assess their mortgage horizon; consider fixed-rate options if stability is essential or evaluate refinancing when rate drops surpass associated costs to optimize long-term financial outcomes. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.
Zillow National Average
As of November 5, 2025, mortgage rates for 15-Year Fixed Rate Jumbo loans are at 6.177%, a slight decline of 0.01 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains stable at 6.284% with no change. Over the past week, the 15-Year Fixed Rate Jumbo has increased by 0.08 basis points, indicating some upward pressure in shorter-term borrowing costs. In contrast, the 30-Year Fixed Rate Jumbo has seen a decrease of 0.06 basis points over the last month, reflecting a more favorable environment for long-term borrowers. Overall, these movements suggest mixed trends in mortgage rates; borrowers should consider current rates and their implications on overall borrowing costs when making decisions.
Federal Reserve Economic Trends
As inflation expectations remain stable, the Breakeven Inflation Rate 10Yr is steady at 2.290. This influences mortgage rates, particularly the 30-Year FHA Average Rates, which have decreased by 0.07 points over the past 30 days, now standing at 6.035. The most significant recent movement was in the 30-Year VA Average Rates, rising by 0.11 points in the last week, reflecting fluctuating borrowing costs. Notably, the lowest mortgage rate recorded is for 15-Year Average Rates, currently at 0.000. Borrowers should stay informed about these trends to make educated decisions regarding financing options and anticipate potential shifts in their loan costs based on broader economic signals.
LendMesh
Picture this: You’re ready to buy a home, but you’re not sure where to start. Maybe you’re worried about the rates, or confused by all the mortgage jargon out there. At LendMesh, we believe good guidance can change everything. That’s why we’ve built an online hub where real people—just like you—can find honest advice, real-time rate comparisons, and connections to local credit unions and banks that actually care. Whether you’re mapping out a long-term plan or looking for a quick pre-approval, we’ve got resources designed to make each step clearer. Take a moment today to visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your next chapter could start with a single click, and we’ll be here to guide you through it.
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Conclusion
As rates quietly inch upward across several programs, it pays to consider how even small changes affect your monthly payments and total interest over time. For example, a quarter-point increase on a $300,000 loan adds roughly $40 more per month in principal and interest, not insignificant when budgeting long term. If you can secure one of the lower fixed FHA rates around 5% or below, particularly on shorter terms like 15 years, it may save thousands over the life of your loan while accelerating equity gains. Keep an eye on inflation trends too; they can influence future rate movements and your refinancing opportunities down the road. Whether buying or refinancing, focus on locking in a rate that fits your financial goals rather than chasing every fraction of a point. Thoughtful timing combined with informed choices will position you best in today’s evolving market landscape.