November 22, 2025 | Lowest ARM Purchase Rate Steady at 4.75%

As of November 22, 2025, the 7/6 ARM Adjustable Rate Mortgage for purchase loans remains steady at a competitive 4.75% with zero points. This rate has held firm over the past 7 and 30 days, indicating stable yield spreads and consistent borrowing costs for members opting for adjustable terms. For buyers prioritizing initial lower rates with potential adjustments after seven years, this stability supports predictable budgeting in the short term. However, borrowers should assess their long-term plans given the inherent variability post-fixed period. Given no recent rate fluctuations, members might consider locking in current terms if they value short-term cost certainty or evaluate fixed-rate alternatives to mitigate future interest rate risk. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of November 22, 2025, the 10/10/10 Adjustable Rate Mortgage (ARM) for purchase purposes remains steady at a rate of 5.75% with 0.0 points, unchanged over the past week. This stability in the ARM yield suggests no immediate increase in borrowing costs for members seeking adjustable-rate options. First-time buyers and investors considering this product can expect consistent payments during the initial fixed period, though future adjustments will depend on market conditions.

Given this rate environment, members prioritizing payment predictability may evaluate fixed-rate alternatives where available. Those contemplating refinancing should analyze potential long-term savings against adjustment risk and closing costs. Monitoring rate trends remains essential to align mortgage strategies with financial goals.

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

On November 22, 2025, purchase adjustable-rate mortgages (ARMs) at STATE DEPARTMENT remain steady with 15/15 ARM, 5/5 ARM, and 7/6 ARM all holding at 5.25%, while the 10/6 ARM stands at 5.375%. Compared to 30 days ago, the 7/6 ARM shows the largest increase of +25 basis points, indicating a modest rise in borrowing costs for mid-term rate adjustments. The 5/5 and 10/6 ARMs have also increased by 12.5 basis points over the same period, reflecting a slight upward trend in short-term fixed periods. These changes suggest buyers prioritizing rate stability may consider the 15/15 ARM at 5.25%, currently the lowest stable option without recent increases. Members should evaluate their mortgage horizon carefully; those with shorter plans might tolerate the slightly higher yields on shorter ARMs, while longer-term borrowers might assess locking rates to mitigate future cost volatility. For details, visit https://www.sdfcu.org/rates#mortgages-block.

On November 22, 2025, the 15/15 Adjustable-Rate Mortgage (ARM) for purchase loans holds steady at a competitive 6.00%, reflecting a decrease of 12 basis points compared to one week ago. This marginal decline in yield spreads slightly lowers the cost of borrowing for members considering adjustable-rate options. Over the past 30 days, rates have remained stable, indicating limited short-term volatility in this segment.

For prospective homebuyers evaluating adjustable loans, this rate movement may enhance affordability during initial fixed periods; however, members should assess potential adjustments beyond year 15. Given these dynamics, first-time buyers and those comfortable with rate variability might find this ARM option strategically advantageous.

Members are encouraged to evaluate their mortgage strategy carefully, consider fixed-rate alternatives if stability is paramount or monitor refinancing opportunities if rates decline further. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of November 22, 2025, mortgage rates for 15-Year Fixed Rate Jumbo loans remain stable at 6.067%, unchanged from yesterday but down 18 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo loans also hold steady at 6.368%, marking a slight increase of 4 basis points over the last seven days. Borrowers should note that while the 15-Year fixed rate remains consistent, the 30-Year fixed rate has experienced a minor uptick in cost. Overall, the mixed trends suggest a cautious environment for prospective borrowers to evaluate their options based on these current rates and changes.

Current inflation expectations, as indicated by the Breakeven Inflation Rate 10Yr at 2.240%, are stable but show a decrease of 0.04 points over the past week and 0.13 points over the last 60 days. In contrast, mortgage rates remain elevated; the 30-Year Jumbo Average Rate is at 6.514%, reflecting a notable drop of 0.16 points in just one week but an increase of 0.20 points over the past month. The lowest mortgage rate recorded is for the 30-Year USDA Average Rate at 6.008%. As inflation expectations influence borrowing costs, potential homebuyers should carefully monitor these indicators to make informed decisions regarding financing options and to assess overall affordability in a changing economic landscape.

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