November 11, 2025 | VA Fixed Loans Hit a New Low at 4.75% Today

On November 11, 2025, Federal VA Loans for home purchase show mixed movement in fixed-rate products. The 15-year fixed VA loan rate increased by 12.5 basis points to 5.25%, marking a slight uptick compared to last week, while holding steady over the past month. This rise may modestly increase borrowing costs for veterans seeking shorter-term loans but maintains competitive yield spreads relative to longer terms. Conversely, the 30-year fixed VA loan remains unchanged at 5.625% from last week and is down 12.5 basis points compared to 30 days ago, potentially benefiting borrowers prioritizing longer amortization and stable payments.

Members should consider locking in rates promptly if pursuing a 15-year term due to recent upward pressure or evaluate the 30-year option’s marginally improved cost structure for extended affordability. For those contemplating refinancing, assessing whether current savings surpass transaction costs is advisable.

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

As of November 11, 2025, the VA 30-year fixed purchase mortgage holds steady at 5.375% with 1.0 point, showing no change over the past 7 and 30 days. This stability in yield spreads means borrowing costs remain consistent for veterans and eligible buyers seeking long-term fixed-rate security. For first-time homebuyers and those prioritizing payment predictability, maintaining this rate level supports clear budgeting without unexpected increases in monthly obligations. Given the absence of rate movement, members should evaluate whether locking in a fixed-rate loan aligns with their financial plans or if alternative strategies might better serve fluctuating market conditions. Consider refinancing only if projected savings surpass associated costs to optimize your mortgage strategy effectively. For details, visit https://www.columbiacu.org/home-loans/.

As of November 11, 2025, CREDIT UNION 1 reports stable mortgage rates for veteran homebuyers. The 15-year VA Loan remains at a competitive 5.125%, unchanged from both one week and one month ago. Similarly, the 30-year VA Loan holds steady at 5.625%, with no movement over the same periods. These stable yields indicate consistent cost of borrowing for veterans seeking to purchase homes using VA-backed financing. First-time buyers and long-term planners benefit from predictable fixed rates without recent volatility in yield spreads. Given these unchanged rates, members should evaluate fixed-rate options if they prioritize payment stability or consider refinancing strategies only if projected savings exceed associated costs. For details, visit https://www.cu1.org/rates#real-estate-rates.

On November 11, 2025, 15-year Fixed VA and 30-year Fixed VA Purchase rates remain steady at 5.125% and 5.625%, respectively, showing no change over the past week or month. This stability in VA loan yields suggests consistent borrowing costs for veterans seeking home purchases, maintaining predictable debt service obligations. The 15-year Fixed VA rate at 5.125% presents the lowest cost option among today’s offerings, potentially benefiting members prioritizing faster equity build-up with fixed payments. For first-time buyers and veteran borrowers, these unchanged rates imply minimal impact on qualification thresholds or monthly budget planning. Evaluating fixed-rate loans remains prudent for those valuing payment certainty amid broader market fluctuations. Members should consider refinancing only if projected savings surpass associated costs to optimize long-term financial outcomes. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On November 11, 2025, VA 15-Year Fixed Purchase rates increased by 12.5 basis points, rising to 5.125% from a week ago’s 5.0%, reflecting a modest uptick in short-term yield spreads. This rise maintains the same level as 30 days prior, indicating relative stability in this segment. The VA 30-Year Fixed Purchase rate remains steady at 5.625%, unchanged from last week but down 12.5 basis points compared to 30 days ago, suggesting a slight easing in long-term borrowing costs.

For veterans and first-time buyers targeting shorter loan terms, the increase in the 15-year fixed rate may slightly raise monthly payments and total interest costs, while those considering the 30-year fixed option benefit from recent rate declines. Members should weigh the trade-offs between term length and current rate trends; those valuing payment stability might consider locking in fixed rates now, while others could evaluate refinancing opportunities if overall savings justify closing costs.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates

On November 11, 2025, the 30-year Fixed VA Purchase mortgage rate at FIRST COMMUNITY remains steady at 5.375%, unchanged over the past week but up by 12.5 basis points compared to 30 days ago. This modest increase in yield spreads slightly raises the cost of borrowing for veterans pursuing home purchases. For first-time and veteran buyers seeking long-term payment stability, locking in this fixed-rate option continues to offer predictability amid recent market fluctuations. Given the absence of rate movement this week, members should assess their financing timeline carefully; those considering refinancing might monitor further shifts before committing. Evaluating your mortgage strategy with a focus on fixed-rate products can help manage interest rate risk and support informed borrowing decisions.

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

On November 11, 2025, HANSCOM credit union reports stable mortgage rates for veterans considering home financing. The 15-year Fixed VA loan holds at 5.25%, unchanged from last week but down by 12.5 basis points compared to 30 days ago, indicating a modest reduction in borrowing costs for shorter-term commitments. The 30-year Fixed VA loan remains steady at 5.875% with no change over the past week or month, maintaining consistent long-term yield spreads.

These rates suggest that veterans aiming for faster equity buildup might benefit from the slightly lower 15-year option, while those seeking predictable payments can rely on the stable 30-year term. Given the minimal weekly fluctuations, members should carefully assess their financial goals and consider refinancing if potential savings outweigh associated fees.

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

On November 11, 2025, the 30-year VA Fixed Purchase mortgage remains at a competitive 5.625%, unchanged from last week but down by 25 basis points compared to 30 days ago. This steady yield reduces borrowing costs for veterans seeking homeownership, maintaining affordability amid recent market fluctuations. The stability in rates supports long-term financial planning for first-time buyers and those prioritizing predictable payments over adjustable-rate alternatives. Given the current environment, members should consider fixed-rate options if they value payment consistency. Additionally, evaluating refinancing opportunities may be prudent when potential savings exceed associated costs, especially as rates have moderated from last month’s higher levels. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

As of November 11, 2025, 15-Year Fixed Purchase mortgage rates have declined by 12.5 basis points, settling at 4.75%, the lowest rate available today. Similarly, the 30-Year Fixed Purchase rate decreased by 12.5 basis points to 5.25% over the past week. These shifts reduce the overall cost of borrowing for homebuyers seeking fixed-rate stability. For members prioritizing predictable monthly payments, the 15-Year Fixed option offers a lower yield spread and accelerated principal repayment, benefiting those aiming to build equity faster. Meanwhile, buyers targeting longer terms can leverage the modest decline in the 30-Year Fixed rate to optimize affordability over time. Evaluating your mortgage strategy with current fixed rates can provide clearer insights into refinancing potential or purchase timing based on your financial goals.

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

As of November 11, 2025, VA 15-Year Fixed Purchase and VA 30-Year Fixed Purchase mortgage rates remain steady at 5.00% and 5.75%, respectively, with no change over the past 7 or 30 days. The yield spread stability suggests consistent borrowing costs for veterans seeking either shorter or longer-term fixed-rate loans. Notably, the VA 15-Year Fixed Purchase offers the lowest rate among today’s options at 5.00%, which could benefit members prioritizing accelerated equity build-up and lower total interest.

For first-time buyers and veterans evaluating purchase loans, maintaining current rates means predictable payment structures without recent upward pressure on yields. Members should consider fixed-rate options to ensure long-term cost certainty amid broader market fluctuations.

Given these stable trends, members might evaluate their mortgage strategies carefully; for example, veterans weighing term length versus monthly affordability can rely on current data to inform choices. For details, visit https://www.wecu.com/homeloans/purchase/.

As of November 11, 2025, mortgage rates have shown mixed movements. The 15-Year Fixed Rate Jumbo increased slightly to 6.179%, marking a rise of 4 basis points from yesterday, while the 30-Year Fixed Rate Jumbo decreased to 6.292%, a drop of 2 basis points from the previous day. Over the past week, the 15-Year Fixed Rate Jumbo has seen a minor decrease of 1 basis point, while the 30-Year Fixed Rate Jumbo remains relatively stable with a slight increase over the same period. Borrowers should be aware that current rates are still notably lower compared to six months ago, suggesting a favorable environment for those looking to refinance or purchase new properties.

Current inflation expectations, indicated by the Breakeven Inflation Rates, remain stable, with the 10-Year Rate at 2.290% and the 5-Year Rate at 2.380%. This stability contrasts sharply with significant changes in mortgage rates. The Mortgage 30-Year Jumbo Average Rate has decreased notably by 6.46 points in one day, 6.47 points over the past week, and 6.43 points in the last month, reflecting a trend that could lower borrowing costs for potential homeowners. The lowest mortgage rate reported is the Mortgage 30-Year FHA Average Rate, currently at 6.084%. Borrowers should consider these fluctuations as they reflect broader economic signals and may impact their financing decisions moving forward.

Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.