November 15, 2025 | Adjustable ARM Purchase Rates Hold at 4.36%

As of November 15, 2025, the 7/6 ARM Purchase mortgage rate remains steady at 4.75%, unchanged from both one week and one month ago. This stability indicates no recent shifts in yield spreads or borrowing costs for adjustable-rate purchase loans. For prospective homebuyers considering an adjustable-rate mortgage, the current rate environment provides predictable initial payments without immediate upward pressure. However, members should assess potential future rate adjustments inherent to ARMs relative to their financial plans. Veterans and first-time buyers may find this consistency beneficial for short-term budgeting but should evaluate fixed-rate alternatives if prioritizing long-term payment stability. Given no recent rate fluctuations, now is a prudent time to review your mortgage strategy and consider refinancing only if projected savings clearly exceed associated costs.

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As of November 15, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for home purchases remains steady at 4.363%, showing no change over the past week and a modest increase of 4 basis points compared to 30 days ago. This stable yield spread indicates minimal movement in borrowing costs for members considering adjustable-rate options. For prospective buyers evaluating long-term affordability, this rate stability offers predictability in initial payments but potential variability later. First-time buyers should weigh the benefits of lower initial rates against future rate adjustments. Veterans and refinancing applicants may find fixed-rate alternatives more suitable if they prioritize payment consistency. Members are advised to evaluate their mortgage strategy carefully, considering adjustable terms only if comfortable with potential rate fluctuations over time. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 15, 2025, the 30 Year 5/1 Conventional Adjustable Rate Mortgage for home purchases remains steady at 4.75%, showing no change over the past 7 and 30 days. This stable yield spread indicates a consistent cost of borrowing for members considering adjustable-rate options. For first-time buyers weighing flexibility against rate fluctuations, this unchanged rate suggests predictable initial payments without increased premium costs. Veterans or members with fixed-income preferences should continue to monitor market shifts as adjustable rates can reset after five years. Given the current static environment, members might evaluate locking in rates now or consider fixed-rate alternatives if long-term payment certainty is a priority. Maintaining awareness of rate trends will support informed mortgage strategy decisions.

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As of November 15, 2025, purchase adjustable-rate mortgages (ARMs) maintain stable yields. The 5/1 ARM offers the lowest rate at 5.50%, unchanged from last week but down 12.5 basis points compared to 30 days ago, reducing initial borrowing costs for members favoring short-term rate adjustments. Similarly, the 7/1 ARM and 10/1 ARM stand at 5.625% and 5.75%, respectively, also steady week-over-week with comparable month-over-month declines of 12.5 basis points. These trends suggest a modest easing in yield spreads over the past month, which may benefit buyers seeking lower introductory rates while considering potential rate resets after fixed periods. Members should evaluate their risk tolerance and loan horizon; those prioritizing payment stability might compare these ARMs against fixed-rate alternatives. Consider refinancing if long-term savings justify associated costs. For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

As of November 15, 2025, the 7/1 ARM Adjustable Rate Mortgage for new home purchases remains steady at 6.12%, unchanged from one week ago but up 12 basis points compared to 30 days prior. This yield spread increase reflects a modest rise in borrowing costs over the past month, affecting affordability for buyers seeking initial lower rates with eventual adjustments. For members considering this product, stability over the first seven years is balanced by potential rate volatility thereafter. First-time buyers should assess their capacity for future rate shifts, while those prioritizing predictable payments might explore fixed-rate alternatives. Given the current trend, it is prudent to evaluate mortgage strategies carefully and consider refinancing options if interest savings outweigh associated costs. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of November 15, 2025, mortgage rates are mixed for the 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo products. The 15-Year Fixed Rate Jumbo remains unchanged at 6.248%, while the 30-Year Fixed Rate Jumbo holds steady at 6.410%. Over the past week, the 30-Year Fixed Rate Jumbo saw an increase of 0.16 basis points, reflecting a shift in borrowing costs. Compared to 30 days ago, both products have experienced slight upward movements: the 15-Year Fixed Rate Jumbo is up by 0.14 basis points, and the 30-Year Fixed Rate Jumbo has also risen by 0.16 basis points. Borrowers should consider these trends when evaluating their financing options.

Inflation expectations are crucial as they impact mortgage rates, which reflect the cost of borrowing. Currently, the Breakeven Inflation Rate for 10 years stands at 2.280%, unchanged from yesterday, while the 5-year rate has also remained steady at 2.380%. Over the past week, Mortgage 30Yr Jumbo Average Rates saw the largest increase of 0.15 points, now at 6.611%, indicating rising borrowing costs for homeowners. Notably, the lowest mortgage rate reported is for the 15-Year Average Rates at 5.490%. Borrowers should remain vigilant about these fluctuations in rates and inflation indicators to make informed decisions regarding loans and refinancing opportunities.

Over the years, we’ve heard from countless homebuyers who wish they’d started with better information. That’s what inspired the team at LendMesh to build a smarter, friendlier mortgage platform. Instead of searching through dozens of bank websites, you can now compare offers from respected credit unions and banks in one trusted place. We’re here to cut through the noise, offering real guidance, educational tools, and answers to the questions you might not even know to ask yet. If you’re curious about the next steps or just want to see today’s rates, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your peace of mind comes first.