November 17, 2025 | Lowest Fixed-Rate Purchase Mortgage at 4.5% Today

As of November 17, 2025, AFFINITY members will find stability in mortgage costs with no change in rates over the past week or month. The 15-Year Fixed Rate Purchase remains at a competitive 5.125%, representing the lowest rate among today's offerings; this supports borrowers prioritizing faster equity building and lower total interest. Meanwhile, the 30-Year Fixed Rate Purchase holds steady at 5.75%, reflecting consistent yield spreads that may appeal to buyers seeking lower monthly payments over an extended term.

These unchanged rates suggest borrowing costs have stabilized recently, allowing members to plan their financing strategies without concern for immediate rate volatility. First-time buyers might consider the 15-year fixed for long-term savings despite higher payments, while those preferring payment predictability should evaluate the 30-year fixed option. Given current market conditions, members should assess refinancing only if potential savings exceed associated costs.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

On November 17, 2025, ALOHA PACIFIC reports stable mortgage rates for purchase loans with no changes over the past week or month. The 15 Year Conforming Fixed Purchase loan maintains the lowest rate at 4.5%, holding steady for 30 days. Meanwhile, the 30 Year Conforming Fixed Purchase loan remains at 5.0%, unchanged over the same period. This stability in rates preserves current borrowing costs for homebuyers and limits fluctuations in monthly payments. For first-time buyers prioritizing lower interest expenses, the 15-year fixed option offers a cost-efficient path with predictable payments. Those seeking longer-term flexibility might consider the 30-year fixed, accepting a slightly higher rate for extended amortization. Members should evaluate fixed-rate options to manage interest rate risk and consider refinancing only if potential savings exceed associated fees. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of November 17, 2025, the 30-year Fixed-Rate Mortgage for home purchases remains steady at 5.00% with zero points, showing no change over the past week or month. This stability in rates indicates consistent borrowing costs for members seeking to purchase a home, particularly benefiting first-time buyers who prioritize predictable payments. Veterans and other specialized groups should note that while government-backed options are not listed today, fixed conventional loans maintain a stable yield spread, supporting clear financial planning.

Given the unchanged rate environment, members may find value in considering fixed-rate options if payment certainty aligns with their long-term goals. Evaluating mortgage strategies now can help in timing future moves or refinancing decisions should market conditions shift.

For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 17, 2025, First Time Home Buyer Fixed Rate Conventional loans show notable decreases. The 15-year fixed rate has dropped by 25 basis points, now at 5.75%, marking the lowest rate available today. Similarly, the 30-year fixed rate for first-time buyers declined by 25 basis points to 6.50%. These reductions improve borrowing costs and yield spreads for new purchase loans, benefiting members aiming for long-term stability.

For first-time buyers, these shifts suggest an opportunity to lock in lower fixed rates, potentially reducing monthly payments and overall interest expense. Members should evaluate their mortgage strategies considering these downward trends; fixed-rate options may offer predictable costs amid market fluctuations.

Given the current environment, members might consider refinancing if the cost savings surpass associated fees. For details, visit https://www.myfscu.com/home.

As of November 17, 2025, 15-Year Fixed Rate Purchase loans remain stable at 4.708%, showing no change over the past 7 and 30 days. This steady rate represents the lowest option available today, offering a cost-effective choice for borrowers prioritizing faster equity building and lower interest expenses.

Conversely, the 30-Year Fixed Rate Purchase loan holds at 5.5%, unchanged from last week but down by 5.3 basis points compared to 30 days ago. This slight decline improves long-term affordability for borrowers seeking extended payment terms and manageable monthly obligations.

Members evaluating mortgage strategies should consider fixed-rate products for predictable payments amid current market conditions. First-time buyers may benefit from the low 15-year fixed rate to reduce total interest costs, while those preferring longer terms can monitor the modest downward trend in 30-year rates. Evaluating refinancing opportunities remains prudent if potential savings exceed transaction costs.

For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

As of November 17, 2025, 15 Year Fixed Purchase mortgage rates remain at a competitive 4.875%, holding steady from one week ago and reflecting a notable decrease of 37.5 basis points compared to 30 days prior. This downward movement reduces the cost of borrowing for buyers prioritizing shorter loan terms and faster equity buildup. Meanwhile, the 30 Year Fixed Purchase rate remains unchanged at 5.75%, maintaining stability over both the past week and month. This consistency benefits borrowers seeking predictable payments over a longer term without recent rate volatility.

For members weighing mortgage decisions, those valuing payment stability might consider the unchanged 30-year fixed option, while buyers aiming for lower overall interest expense could benefit from the reduced 15-year fixed rate. Evaluating refinancing strategies or new purchases against these yield spreads can help optimize long-term financial outcomes.

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

On November 17, 2025, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates for purchase loans. The 15-Year Land Loan remains steady at 6.25%, unchanged from one week ago but down 50 basis points from 30 days prior, indicating a notable easing in borrowing costs for shorter-term fixed loans. Meanwhile, the 30-Year Fixed Purchase Loan holds at 5.875%, matching last week’s rate and reflecting a decrease of 25 basis points over the past month. These trends suggest modest yield spread compression in fixed-rate purchase mortgages.

For members prioritizing long-term stability, the 30-Year Fixed offers the lowest current rate, beneficial for first-time buyers or those seeking predictable payments. The recent declines may prompt evaluation of refinancing strategies to reduce overall interest expenses. Consider your financial horizon carefully; fixed-rate options provide protection against future rate volatility.

For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of November 17, 2025, 15 Year Fixed or Less Purchase loans hold steady at a 4.75% rate with 1.0 point, showing no change over the past week. This rate remains the lowest available option today, providing a favorable yield spread for borrowers prioritizing shorter-term commitments and reduced interest expense. Meanwhile, the 30 Year Fixed Rate Purchase program maintains a consistent rate of 5.875% with minimal points at 0.125, also unchanged from seven days ago.

For members considering home purchases, the stable rates suggest an environment where borrowing costs have not increased recently, supporting predictable monthly payments especially for those opting for fixed terms. First-time buyers may find the 15-year fixed product attractive for faster equity building, while those seeking longer amortization should evaluate the impact of the higher 30-year fixed rate on total interest paid.

Given these dynamics, members should assess their mortgage strategy carefully; consider fixed-rate options if stability in payments is a priority and analyze refinancing opportunities only if potential savings surpass closing costs.

For details, visit https://usccreditunion.mortgagewebcenter.com/responsive/?_gl=1*1sidosd*_gcl_au*MTA2NzQ1MDcwLjE3NTgwNDU5MDc.*_ga*MjQwOTc3MTk1LjE3NTgwNDU5MDc.*_ga_1LYJT814VK*czE3NTgwNDU5MDckbzEkZzEkdDE3NTgwNDYwMjAkajE3JGwwJGgw#/ApplyNow

As of November 17, 2025, 15-Year Fixed Purchase loans remain steady at 5.14%, unchanged over the past week and month, representing the lowest rate among today’s offerings. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.73%, stable week-over-week but down by 2 basis points compared to 30 days ago, indicating a slight easing in long-term borrowing costs. For members prioritizing predictable payments and shorter loan terms, the consistent 15-year fixed rate offers a cost-effective option with lower overall interest expense. Those considering longer amortizations may benefit from the modest decline in the 30-year fixed rate, which could reduce monthly payments and improve affordability. Evaluate your mortgage strategy accordingly; consider fixed-rate options if stability is key or refinancing opportunities if potential savings justify associated costs. For details, visit https://www.vcu.com/rates#mortgage-rates.

Mortgage rates have shown a mixed trend today. The 15-Year Fixed Rate Jumbo is currently at 6.234%, down by 0.01 basis points from yesterday and up 0.10 basis points over the past week, indicating slight fluctuations in borrowing costs. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.397%, also reflecting a decrease of 0.01 basis points since yesterday and a modest increase of 0.09 basis points over the last week. Borrowers should consider these changes when evaluating their options, as rates remain relatively stable but have seen minor adjustments recently. It's advisable to monitor these trends for potential impacts on overall borrowing expenses.

Recent data indicates a stable Breakeven Inflation Rate for 10 years at 2.280%, while the 5-year rate stands at 2.380%. This stability suggests that inflation expectations are anchored, impacting mortgage rates and borrowing costs. The most significant changes were seen in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.61 points today, reflecting a growing affordability challenge for potential borrowers. Currently, the lowest mortgage rate recorded is 5.851% for the 30-Year VA Average Rates. These fluctuations underscore the importance of monitoring interest rate trends to make informed borrowing decisions; individuals should remain vigilant as these rates can significantly affect loan affordability and long-term financial planning.

At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.