November 19, 2025 | Lowest FHA Fixed Purchase Rate Holds at 4.625%

As of November 19, 2025, the 30-Year FHA Fixed Purchase mortgage remains steady at 5.375%, unchanged from last week but down by 12.5 basis points compared to 30 days ago. This stable yield suggests a modest easing in borrowing costs over the past month, which may benefit first-time homebuyers relying on government-backed loans. The consistent rate supports predictable monthly payments, making it suitable for members prioritizing long-term budget certainty. Given this environment, members should consider fixed-rate options if they value stability amid fluctuating market conditions. Evaluating refinancing strategies could also be prudent, particularly if current rates align favorably against existing loan terms. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On November 19, 2025, the 15-Year Fixed Purchase Mortgage rate at Credit Union West increased by 12.5 basis points compared to last week, rising to 5.25% with 0.875 points. This reflects a significant 87.5 basis point increase over the past 30 days, indicating a noticeable upward trend in borrowing costs for short-term fixed-rate home purchases. Members considering home purchases should evaluate how this rise affects monthly payments and overall interest expense. First-time buyers may face higher initial costs, while those prioritizing payment stability might still find value in locking fixed rates now before further increases. Assessing your mortgage strategy in light of these shifts is advisable, especially if you plan to finance within the next year. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of November 19, 2025, FHA 15-Year Fixed Purchase rates stand at 5.25%, up 12.5 basis points from last week and 37.5 basis points higher than 30 days ago. Meanwhile, the FHA 30-Year Fixed Purchase rate is 5.875%, reflecting an increase of 25 basis points over the past seven days and 37.5 basis points compared to one month prior. These rising yields indicate a higher cost of borrowing for FHA borrowers, particularly affecting first-time homebuyers who often rely on these government-backed options for lower down payments. Members seeking rate stability might consider the shorter-term 15-year fixed FHA loan, which currently offers the lowest rate among today’s options. Given recent trends, evaluate your mortgage strategy carefully; refinancing may be beneficial if projected savings exceed associated costs.

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

As of November 19, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, showing no change from both one week and one month ago. This stability in rates translates to consistent borrowing costs for first-time homebuyers relying on FHA-backed loans, maintaining predictable payment structures without recent upward pressure. For members considering government-backed options, this lack of fluctuation supports fixed-rate planning strategies amid broader market uncertainty. Given these unchanged yields, those weighing purchase decisions can focus on affordability factors beyond rate volatility. Evaluating your mortgage approach with an emphasis on fixed-rate security may be prudent when seeking long-term financial predictability. Consider refinancing only if the overall cost-benefit analysis justifies it based on your individual circumstances. For details, visit https://fccu.org/rates/home-loan-rates.

On November 19, 2025, 15 Year Fixed FHA Mortgage rates for purchase have decreased by 25 basis points compared to last week, settling at 5.00%, representing the lowest rate among today's offerings. This reduction lowers the cost of borrowing for buyers seeking shorter-term FHA financing, potentially benefiting first-time homebuyers who prioritize faster equity buildup. Meanwhile, the 30 Year Fixed FHA Mortgage rate remains steady at 5.375%, showing no change over the past seven days but a slight increase of 12.5 basis points compared to 30 days ago, which may affect borrowers aiming for longer-term affordability.

Members considering purchase loans should assess their financial horizon and stability preferences; those valuing predictable payments might favor the fixed-rate options highlighted today. Given recent rate shifts, evaluating mortgage strategies based on term length and current yield spreads is advisable.

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

As of November 19, 2025, the 30-year Fixed FHA Purchase Loan remains steady at 5.49% with 1.0 point, unchanged from both one week and one month ago. This stability in rates translates to consistent borrowing costs for first-time homebuyers relying on government-backed FHA financing. The unchanged yield suggests no immediate pressure on monthly payments or loan affordability for this segment.

For members evaluating their mortgage strategies, maintaining a fixed rate at this level offers predictability amid broader market fluctuations. Given the absence of recent rate increases or decreases, those prioritizing budget certainty should consider locking in these terms. Additionally, homeowners with existing FHA loans may find limited incentive to refinance unless local market conditions present savings exceeding associated costs.

Consider reviewing your mortgage options carefully; with current rates stable, focusing on fixed-rate products can reduce future uncertainty. For details, visit https://www.hughesfcu.org/financial-guide/rates-and-fees#:~:text=Estate%20Loan%20Rates-,MORTGAGE%20LOANS,-Rate%20Type.

As of November 19, 2025, 15-year FHA purchase loans carry a rate of 5.125%, marking a 12.5 basis point increase from last week and a 25 basis point rise over the past 30 days. Similarly, 30-year FHA purchase rates stand at 5.375%, up 12.5 basis points week-over-week and 12.5 basis points month-over-month. These rising yields reflect tightening cost of borrowing for FHA borrowers, impacting first-time homebuyers who rely on government-backed programs for manageable down payments and credit flexibility.

Members seeking predictability may consider the 15-year FHA fixed option, which currently offers the lowest rate among today's FHA terms, potentially reducing long-term interest expenses despite slightly higher monthly payments. Given recent upward trends, evaluating mortgage strategy is prudent; those with existing loans should assess refinancing viability if projected savings exceed associated costs.

For details, visit https://www.macu.com/rates/home.

As of November 19, 2025, the 30-year Fixed FHA Purchase Loan remains steady at a 5.25% rate with 1.375 points, showing no change over the past 7 and 30 days. This stable yield reflects consistent borrowing costs for first-time buyers utilizing government-backed financing, maintaining predictable payment structures amid broader market fluctuations. Veterans or refinancing applicants should note this product is not currently offered, focusing member decisions on purchase scenarios only. Given the unchanged rate environment, members prioritizing payment certainty may find fixed-rate FHA loans advantageous. It is prudent to regularly evaluate your mortgage strategy against market shifts; consider refinancing if future rate declines create meaningful savings after accounting for associated costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of November 19, 2025, 15-Year Fixed Purchase mortgage rates have decreased by 12.5 basis points, now at 4.625%, marking the lowest rate available among today’s options. This reduction lowers the cost of borrowing for buyers prioritizing shorter-term financing and could benefit those seeking to build equity faster with stable payments. Conversely, the 30-Year Fixed Purchase rate rose by 12.5 basis points to 5.375%, increasing yield spreads for long-term fixed-rate borrowers and potentially impacting affordability for first-time homebuyers targeting extended repayment terms.

Members should weigh these movements carefully; those valuing payment stability might consider locking in fixed rates now, while others may evaluate refinancing if savings exceed associated costs. Monitoring these shifts supports informed mortgage strategy decisions aligned with individual financial goals.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of November 19, 2025, FHA fixed-rate purchase loans remain steady with the 15-year term at 5.125% and the 30-year term at 5.875%. Both rates show no change from one week ago, indicating stable yield spreads and borrowing costs for FHA borrowers. The 15-year FHA fixed rate, currently the lowest available, continues to offer members a reduced total interest expense compared to longer terms. First-time buyers seeking predictability may favor these fixed options amid steady rates. While no recent shifts occurred, members should evaluate their mortgage horizon carefully; locking in a fixed rate can provide cost certainty. For those weighing purchase timing or term length, consider your long-term financial goals and potential rate volatility. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of November 19, 2025, mortgage rates have shown mixed movements. The 15-Year Fixed Rate Jumbo decreased to 6.169%, down by 0.13% from the previous day, while the 30-Year Fixed Rate Jumbo remains relatively stable at 6.378%, a slight decrease of 0.03% in the same timeframe. Over the past week, the 30-Year Fixed Rate Jumbo has experienced a modest increase of 0.08%, indicating some fluctuations in borrowing costs for this product. Borrowers should consider these changes when evaluating their options, as even small shifts in basis points can impact overall loan expenses significantly.

Current inflation expectations, as reflected in the Breakeven Inflation Rates, remain stable with the 10-Year rate at 2.270% and the 5-Year rate at 2.360%. These rates influence mortgage rates, which are critical for borrowers. The most significant changes include a rise of 0.12 points in the Mortgage 30Yr Va Average Rates over the past week and an increase of 0.29 points in the Mortgage 30Yr Jumbo Average Rates over the last month, indicating a trend toward higher borrowing costs. The lowest mortgage rate reported is 5.960% for VA loans, which may offer some relief to eligible borrowers despite rising overall rates. Monitoring these indicators can help borrowers make informed decisions in a changing economic landscape.

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