November 18, 2025 | VA Fixed Purchase Loans Drop to 5.00% Today

On November 18, 2025, the 30-Year VA Fixed Purchase mortgage rate stands at a competitive 5.375%, down 25 basis points from last week and 12.5 basis points lower than 30 days ago. This decline reduces the overall cost of borrowing for veterans seeking to purchase a home with government-backed protection. The narrowing yield spread suggests slightly improved market conditions for fixed-rate loans, benefiting members prioritizing payment stability over the long term.

For veterans and first-time buyers relying on VA financing, this rate movement may enhance affordability and support more predictable budgeting. Given current trends, members should evaluate fixed-rate options carefully and consider refinancing only if anticipated savings exceed associated fees.

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

As of November 18, 2025, mortgage rates for 15-year and 30-year VA Loans remain stable at 5.125% and 5.625%, respectively. These rates show no change compared to both one week and one month ago, indicating steady yield spreads in government-backed veteran financing. For veterans and first-time homebuyers, the unchanged rates suggest consistent borrowing costs, supporting predictable payment planning without immediate rate volatility. With the 15-year VA Loan at 5.125%, it represents the lowest fixed rate option available today, offering an efficient path to equity building with a shorter term.

Members should evaluate their mortgage strategies considering this stability; fixed-rate options continue to provide cost certainty, while those contemplating refinancing may benefit if their current rates exceed today’s figures by a meaningful margin. For details, visit https://www.cu1.org/rates#real-estate-rates.

As of November 18, 2025, 15-year Fixed VA and 30-year Fixed VA purchase mortgage rates remain steady at 5.125% and 5.625%, respectively. Both products show no change in yield spreads over the past 7 and 30 days, indicating stable borrowing costs for veterans seeking fixed-rate financing. The 15-year Fixed VA holds the lowest rate today, offering a potential advantage for members prioritizing shorter-term repayment and lower total interest. For veterans purchasing a home, these unchanged rates suggest consistent market conditions; however, careful evaluation of term length against monthly affordability remains essential. Consider fixed-rate options if you value payment stability or review refinancing strategies should future market shifts present cost-saving opportunities. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of November 18, 2025, HANSCOM credit union reports stable mortgage rates for veterans seeking purchase loans. The 15-year Fixed VA loan remains at 5.25%, unchanged over the past week and month, representing the lowest rate option available today. Meanwhile, the 30-year Fixed VA loan holds steady at 5.875%, with a modest increase of 12.5 basis points compared to 30 days ago, reflecting slightly higher long-term borrowing costs.

For veterans prioritizing lower monthly payments, the current yield spread suggests evaluating the trade-off between shorter-term stability and longer amortization periods. First-time veteran buyers may benefit from locking in the 15-year VA fixed rate to minimize interest expenses over time. Those considering longer financing should assess recent upward trends in the 30-year product.

Members are advised to review their mortgage strategies in light of these stable to slightly increasing rates and consider refinancing if projected savings surpass associated costs. For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

As of November 18, 2025, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for key loan products. The VA 15 Year Fixed Purchase rate remains steady at 5.0%, unchanged over the past week but up 12.5 basis points compared to 30 days ago, indicating a modest increase in borrowing costs for veterans seeking shorter-term financing. The Military Choice 30 Year Fixed Purchase rate holds firm at 6.375%, showing no change in both the weekly and monthly comparisons, maintaining its position as the longer-term option with consistent yield spreads.

Members targeting lower monthly payments may consider the VA 15 Year Fixed due to its comparatively lower rate. Given these dynamics, borrowers should evaluate their mortgage strategies carefully; those valuing payment stability might prefer fixed-rate options, while others may explore refinancing if potential savings surpass associated costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

On November 18, 2025, POTLATCH NO. 1 FINANCIAL reports a modest increase in mortgage rates for key purchase programs. The 15-Year Fixed Purchase rate rose by 12.5 basis points, reaching 4.875%, marking it as the current lowest available rate among today’s offerings. Similarly, the 30-Year Fixed Purchase rate increased by 12.5 basis points compared to last week, now at 5.375%, remaining steady over the past month.

These upward shifts in yield spreads imply a higher cost of borrowing for buyers locking in fixed-rate mortgages. First-time homebuyers and those seeking longer-term stability may find the slight increase impacts monthly payments more noticeably on shorter terms. Evaluating fixed-rate options remains prudent if predictability is prioritized amid market fluctuations.

Members considering purchase loans should assess their financing horizon carefully; those with longer timelines might explore refinancing opportunities if rates adjust downward later. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of November 18, 2025, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.00%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. The VA 30-Year Fixed Purchase rate remains steady at 5.75%, also unchanged in the last seven days, yet increased by 12.5 basis points month-over-month. These yield spreads indicate a modest rise in borrowing costs over the past month, which could influence monthly payments for veterans and first-time homebuyers considering fixed-rate VA loans. Members prioritizing payment stability may find the 15-year VA fixed option more cost-effective long term despite higher monthly payments due to accelerated principal reduction. Given recent trends, evaluate your mortgage strategy carefully; consider refinancing if potential savings outweigh associated fees or opt for fixed terms to mitigate further rate volatility.

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

As of November 18, 2025, mortgage rates are mixed for 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo products. The 15-Year Fixed Rate Jumbo increased to 6.251%, up by 0.08% from yesterday and rising 0.21% over the past month. Conversely, the 30-Year Fixed Rate Jumbo saw a slight uptick to 6.330%, reflecting a smaller increase of 0.06% in one day but a modest rise of just 0.04% over the last 30 days. Borrowers may find that current rates still present opportunities for refinancing or purchasing despite recent fluctuations; however, careful consideration of these changes is essential for cost management in borrowing decisions.

Recent data indicates that inflation expectations, as measured by the Breakeven Inflation Rate, are stable, with the 10-year rate at 2.280% and the 5-year rate slightly higher at 2.370%. This stability is reflected in the mortgage market, where significant shifts have occurred. The Mortgage 30Yr Jumbo Average Rates have experienced a substantial decrease of 6.67 points in one day and a total decline of 6.34 points over the past month, resulting in potential cost savings for borrowers. Currently, the lowest mortgage rate noted is the Mortgage 30Yr Va Average Rate at 5.829%. As these rates fluctuate, borrowers should stay informed about trends to make better borrowing decisions based on evolving economic conditions.

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