November 13, 2025 | Lowest Jumbo Fixed Rate Holds at 4.875%

On November 13, 2025, the 30 Year Jumbo Fixed Purchase mortgage rate at ALOHA PACIFIC remains steady at 5.00% with 2.0 points, showing no change over the past 7 and 30 days. This stable yield suggests consistent borrowing costs for members pursuing high-value home purchases. For prospective jumbo loan borrowers, the unchanged rate implies predictable monthly payments without increased financing expenses. While refinancing options are not reflected in today’s data, those considering large loans may benefit from fixed-rate products to mitigate interest rate volatility risk. Members should evaluate their long-term housing goals and locking in rates if they prioritize payment stability. Consider monitoring market trends closely before making adjustments to your mortgage strategy.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On November 13, 2025, ALTURA reports stable mortgage rates for jumbo fixed loans on new purchases. The 15 Year , Jumbo Fixed rate remains steady at 5.125%, unchanged over the past week but up 12.5 basis points compared to 30 days ago, indicating a modest increase in borrowing costs for shorter-term jumbo loans. Conversely, the 30 Year , Jumbo Fixed rate decreased by 12.5 basis points to 5.75%, marking the lowest rate in this category since 45 days ago and offering slightly improved affordability for longer-term financing.

These shifts suggest that borrowers seeking longer amortization may benefit from lower yield spreads today, while those preferring shorter terms face marginally higher rates than last month. Members should consider their loan horizon and stability preferences carefully; fixed-rate options remain prudent for predictable payments amid moderate market fluctuations.

Evaluate refinancing opportunities if potential savings exceed closing costs to optimize long-term financial outcomes. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

On November 13, 2025, CERTIFIED credit union reports stable mortgage rates for key purchase products. The 15-Year Fixed Purchase mortgage holds steady at 5.125%, unchanged over the past 7 and 30 days, representing the lowest rate available today. Similarly, the 30-Year Fixed Purchase rate remains constant at 5.875%, with no change from one week or one month ago. These flat yield spreads suggest a stable cost of borrowing for buyers seeking long-term financing. For first-time homebuyers prioritizing lower monthly payments, the 15-year fixed offers a competitive rate with faster equity build-up. Meanwhile, those preferring longer terms may find the 30-year fixed advantageous for managing cash flow. Members should consider fixed-rate options if they value payment predictability and evaluate refinancing only when potential savings exceed associated costs. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.

As of November 13, 2025, COLUMBIA COMMUNITY reports stable mortgage rates for jumbo fixed-rate purchase loans. The Jumbo 15-year fixed remains at 5.00% with 1.0 point, unchanged over the past week and month, indicating steady borrowing costs for members seeking shorter-term financing. The Jumbo 30-year fixed rate holds at 5.875% with 1.0 point, also stable compared to both seven and thirty days prior.

This stability suggests minimal yield spread volatility in jumbo loan segments, benefiting borrowers prioritizing predictable payments. For those evaluating mortgage strategies, the unchanged rates support considering fixed-rate options if payment certainty is a priority. Members should assess refinancing only if potential savings exceed associated points and fees.

For details, visit https://www.columbiacu.org/home-loans/.

As of November 13, 2025, the 30-year Fixed Jumbo Mortgage Purchase rate at Community First Credit Union of FLO remains steady at 4.875%, unchanged from both one week and one month ago. This stability indicates a pause in yield spread fluctuations for jumbo loans, maintaining borrowing costs for high-value homebuyers. For members considering jumbo purchases, the consistent rate supports predictable monthly payments without recent upward pressure on interest expenses.

Given this rate environment, borrowers prioritizing payment certainty may find fixed-rate jumbo loans advantageous over adjustable options. Evaluating your mortgage strategy in light of stable rates can help determine if locking in current terms aligns with your financial goals. Members should consider refinancing only if potential savings clearly outweigh closing costs.

For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

As of November 13, 2025, DESERT FINANCIAL reports stable mortgage rates for jumbo loan options. The Jumbo 15 Year Fixed Rate Purchase remains at 5.375% with a slight increase of 12.5 basis points compared to 30 days ago, reflecting modest upward pressure on shorter-term borrowing costs. The Jumbo 30 Year Fixed Rate Purchase holds steady at 6.0%, unchanged from both one week and one month prior, offering predictability in long-term financing.

These rate trends suggest that borrowers seeking shorter-term jumbo loans face a marginal rise in cost, while those targeting longer terms benefit from current stability in yield spreads. Members considering large loan amounts should evaluate the impact of recent movements on monthly payments and overall interest expenses. For fixed-rate stability, the unchanged Jumbo 30 Year Fixed may appeal to those prioritizing predictable costs over time.

Data-driven mortgage strategies include monitoring these basis point shifts to decide if refinancing or locking in rates aligns with your financial goals. Consider refinancing if potential savings exceed associated costs.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

On November 13, 2025, 15-Year Fixed Jumbo Purchase loans remain at 4.875%, unchanged from one week ago but up 25 basis points compared to 30 days prior. This increase signals a modest rise in borrowing costs for high-value homebuyers seeking shorter-term fixed rates. Meanwhile, the 30-Year Fixed Jumbo Purchase rate holds steady at 5.875%, with no change over the past week or month, maintaining yield stability for buyers prioritizing longer terms.

For members considering jumbo purchases, these trends suggest that locking in a 15-year fixed jumbo now involves higher costs relative to last month, impacting monthly payments and overall interest expense. The stable 30-year jumbo rate offers predictability for those valuing extended amortization despite current elevated rates.

Members should evaluate whether fixed-rate options align with their long-term financial plans and consider refinancing only if projected savings surpass associated fees. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of November 13, 2025, Jumbo 15 Year Fixed Rate Purchase loans are at 5.25% with 0.75 points, reflecting a modest increase of 12.5 basis points compared to one week ago. Meanwhile, the Jumbo 30 Year Fixed Rate Purchase option stands at 5.75%, up by 25 basis points over the same period. These yield spreads suggest a rising cost of borrowing for jumbo loan borrowers, particularly impacting those seeking longer-term financing.

Members considering high-value property purchases should weigh the trade-off between shorter terms with potentially faster equity build-up and longer terms that currently carry higher rates. Given these shifts, evaluating fixed-rate options may provide greater payment predictability amid market fluctuations. Additionally, prospective buyers might analyze whether locking in today’s rates aligns with their financial strategy.

For details, visit https://nwfcu.mortgagewebcenter.com/?_ga=2.205088470.712896961.1724675500-146973136.1715609985&_gl=1*1unbxkh*_gcl_au*MTYxNjQ2ODc0MS4xNzUwMDE4MzA4*_ga*MTcxOTU0ODgyNy4xNzUwMDE4MzA5*_ga_WKPGKRE27F*czE3NTAwMTgzMDgkbzEkZzEkdDE3NTAwMjAwNTkkajMxJGwwJGgw

On November 13, 2025, Jumbo 15-Year Fixed Purchase mortgage rates remain steady at 5.375%, unchanged over the past week but down 12.5 basis points compared to 30 days ago. Meanwhile, the Jumbo 30-Year Fixed Purchase rate holds at 6.00%, stable week-over-week and decreased by 25 basis points from a month prior. These modest declines in yield spreads suggest slightly improved borrowing costs for members seeking long-term financing on higher-value properties. Borrowers prioritizing payment stability may find value in the lower 15-year fixed rate, while those preferring extended terms benefit from reduced rates on the 30-year fixed product. Members should evaluate their mortgage strategy carefully; those with existing higher-rate loans might consider refinancing if potential savings exceed associated costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of November 13, 2025, mortgage rates are mixed for jumbo loans. The 15-Year Fixed Rate Jumbo is at 6.167%, showing a slight decrease of 0.002 percentage points from yesterday but an increase of 0.04 percentage points over the past month. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.304%, which has risen by 0.01 percentage points in one day and 0.05 percentage points over the past week. These fluctuations indicate a modest shift in the cost of borrowing, with potential implications for borrowers considering jumbo loans. Monitoring these trends can help borrowers make informed decisions regarding their mortgage options.

Current inflation expectations, as indicated by the Breakeven Inflation Rate, show stability with the 10-year rate at 2.270% and the 5-year rate at 2.370%. Mortgage rates have experienced significant fluctuations; notably, the 30-Year Average Rate has decreased sharply by 6.22 points over the past week, highlighting current market volatility. The lowest mortgage rate recorded is for the 30-Year VA Average Rates at 5.861%, reflecting a slight increase of 0.11 points in the last day. Borrowers should be aware of these trends as changes in mortgage rates directly affect borrowing costs and affordability, emphasizing the need to stay informed about market shifts and potential refinancing opportunities.

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