November 12, 2025 | Lowest FHA Fixed Purchase Rate at 4.875% Today

As of November 12, 2025, the 30-Year FHA Fixed Purchase mortgage remains at a rate of 5.5%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. This stable yield spread suggests consistent borrowing costs for first-time buyers utilizing government-backed loans. The slight monthly decline may improve affordability modestly; however, rates are still elevated relative to earlier periods. Members considering home purchases with FHA financing should evaluate fixed-rate options for predictable payments amid current market conditions. For those weighing timing, the recent downward trend over the past month could present a marginal opportunity to lock in favorable terms. Data-driven decisions around mortgage strategy remain essential as market fluctuations continue. Consider refinancing if potential savings exceed associated costs.

For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On November 12, 2025, FHA 15-Year Fixed Purchase rates rose by 12.5 basis points to 5.125%, marking a slight uptick compared to last week, while remaining stable over the past month. This increase marginally raises the cost of borrowing for buyers seeking shorter-term FHA loans, impacting those aiming for quicker equity build-up. Conversely, the FHA 30-Year Fixed Purchase rate held steady at 5.625%, unchanged from seven days ago and down by 12.5 basis points compared to 30 days prior, maintaining its position as the higher-term option with consistent yield spreads.

For first-time homebuyers or those prioritizing predictable payments, the stability in the 30-year term supports long-term planning despite the modest rise in 15-year fixed rates. Members should carefully assess their mortgage horizon; consider fixed-rate options if you value payment stability, and evaluate refinancing only if projected savings exceed associated costs.

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

As of November 12, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, showing no change over the past week and a modest increase of 12.5 basis points compared to 30 days ago. This rate shift suggests a slight uptick in the cost of borrowing for first-time homebuyers and those utilizing government-backed loans. Stability over the past week may provide short-term predictability; however, the month-over-month increase indicates rising yield spreads in the fixed-rate mortgage market. Members considering home purchases should assess fixed-rate options if they prioritize payment stability amid evolving market conditions. Veterans and refinancers are not impacted by today's data, as no VA or refinance products are listed. Evaluate your mortgage strategy carefully, factoring in recent rate movements to optimize long-term financial outcomes. For details, visit https://fccu.org/rates/home-loan-rates.

On November 12, 2025, 15 Year Fixed FHA Mortgage rates have decreased by 12.5 basis points from last week to a current rate of 5.00%, marking the lowest rate among today’s offerings. This decline also reflects a 25 basis points reduction compared to 30 days ago, potentially lowering borrowing costs for first-time homebuyers utilizing FHA-insured loans. Conversely, the 30 Year Fixed FHA Mortgage remains steady at 5.375%, showing no change over the past week or month, which may appeal to borrowers prioritizing longer-term stability despite higher yield spreads.

Members considering shorter-term financing could benefit from the reduced cost of borrowing on the 15-year FHA product, while those focused on monthly payment predictability might evaluate the unchanged 30-year rate. Assess your mortgage strategy carefully; consider fixed-rate options if you value payment certainty or explore refinancing if savings exceed associated costs.

For details, visit https://www.gwcu.org/rates/homeloans.

On November 12, 2025, the 30-year Fixed FHA Purchase Loan remains steady at 5.49%, unchanged from both one week and one month ago. This stability in rates maintains borrowing costs for first-time homebuyers relying on government-backed options, preserving predictable monthly payments amid broader market fluctuations. The yield spread has held firm after a slight easing observed over the prior two months, indicating consistent lender confidence in this segment. For members considering new purchases with FHA financing, locking in current rates may provide cost certainty. Those evaluating mortgage strategies should weigh fixed-rate options if they prioritize long-term payment stability. Additionally, monitoring any shifts in points or terms could reveal opportunities to optimize financing costs. Consider refinancing only if potential savings exceed associated fees to ensure net financial benefit. For details, visit https://www.hughesfcu.org/financial-guide/rates-and-fees#:~:text=Estate%20Loan%20Rates-,MORTGAGE%20LOANS,-Rate%20Type.

As of November 12, 2025, the 30-year FHA Fixed Purchase mortgage rate remains stable at 5.625%, showing no change over the past 7 or 30 days. This steady rate reflects unchanged yield spreads and borrowing costs for members seeking government-backed financing options. First-time homebuyers relying on FHA loans benefit from predictable payment structures amid this rate consistency. While refinancing opportunities tied to this product remain steady, members prioritizing long-term stability may consider locking in fixed rates given the current market plateau. Evaluating your mortgage strategy with a focus on cost predictability is advisable, especially if you anticipate interest rate fluctuations ahead. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

As of November 12, 2025, the 30-year Fixed FHA Purchase Loan remains steady at 5.25%, showing no change over the past week or month. This stable yield indicates consistent borrowing costs for first-time homebuyers and those relying on government-backed programs. Veterans and refinance candidates should note that current FHA rates offer predictable payment structures without recent volatility. Maintaining this rate level suggests limited immediate pressure on mortgage expenses; however, members valuing rate certainty may continue to prioritize fixed-rate options amid broader market fluctuations. For homeowners considering new purchases, evaluating fixed FHA loans can support long-term financial planning without unexpected rate shifts. Members are advised to assess their mortgage strategy against personal financial goals and market trends, particularly when contemplating refinancing opportunities to optimize cost savings.

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

On November 12, 2025, 15-Year Fixed Purchase mortgage rates at Potlatch No. 1 Financial stand at 4.875%, marking a decrease of 11.5 basis points compared to last week and unchanged from 30 days ago. This reduction lowers borrowing costs for members seeking shorter-term fixed-rate loans, benefiting those aiming to build equity faster with stable payments. Meanwhile, the 30-Year Fixed Purchase rate is at 5.25%, down by 12.5 basis points both week-over-week and month-over-month, providing a modest yield spread advantage for long-term homebuyers prioritizing payment stability.

These shifts suggest opportunities for members to reevaluate their mortgage strategies; consider fixed-rate options if you value predictable payments or assess refinancing possibilities where rate reductions may lower overall interest expenses. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of November 12, 2025, FHA 15-Year Fixed Purchase loans maintain a steady rate at 5.125%, unchanged from one week ago and representing the lowest rate among today’s options. This stability supports borrowers prioritizing shorter-term fixed financing with predictable payments. Meanwhile, the FHA 30-Year Fixed Purchase loan remains at 5.875%, unchanged over seven days but down 12.5 basis points compared to 30 days prior, slightly easing long-term borrowing costs for buyers seeking extended terms.

For members considering purchase mortgages, these rates suggest that locking in a fixed FHA loan could offer cost certainty amid modest rate shifts. First-time buyers might benefit from the consistent 15-year option to reduce interest expense over time; those requiring longer terms should note the recent downward adjustment on the 30-year product. Evaluating fixed-rate alternatives can help align mortgage strategy with financial goals and risk tolerance.

Consider monitoring ongoing yield spreads and refinancing if potential savings exceed transaction costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of November 12, 2025, mortgage rates have generally decreased. The 15-Year Fixed Rate Jumbo now stands at 6.313%, down 0.06% from yesterday, while the 30-Year Fixed Rate Jumbo is at 6.308%, reflecting a 0.09% drop in the same timeframe. Over the past week, the 15-Year Fixed Rate Jumbo has increased by 0.25%, indicating some volatility in this product. Borrowers should note that while current rates offer opportunities for refinancing or purchasing, the recent fluctuations suggest careful consideration of timing and market conditions. Monitoring these trends can help in making informed financial decisions.

The Breakeven Inflation Rate for 10 years is currently at 2.290%, unchanged from yesterday, while the 5-year rate stands at 2.380%, also stable. These inflation expectations can influence mortgage rates; lower rates typically signal a decreased cost of borrowing, which is evident in the recent declines in various mortgage rates. The most significant shifts were seen in the Mortgage 30Yr Jumbo Average Rates, which fell by 6.46 points over the past week and 6.43 points over the past month. As borrowers navigate these changes, they should note that the lowest mortgage rate reported is still at 0.000%, suggesting potential opportunities for future lending conditions. Understanding these metrics can guide informed financial decisions.

Sometimes, the best financial decisions are the ones you make with support and knowledge. That’s what LendMesh brings to the table for every homebuyer. Our platform was inspired by countless real-world stories—parents saving for a forever home, recent grads starting out, and even retirees downsizing to something just right. We partner with a trusted network of banks and credit unions to keep our rate comparisons honest and up to date. No matter your journey, our advisors have walked alongside buyers just like you, offering tools, tips, and a listening ear. Ready to see what’s possible in today’s market? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and let’s plan your next move with confidence.