November 24, 2025 | Lowest Fixed Purchase Rate Holds at 3.5%

As of November 24, 2025, 15-Year Fixed Rate Purchase and 30-Year Fixed Rate Purchase mortgage rates remain steady at 5.125% and 5.75%, respectively. Both products show no change over the past week or month, indicating stable yield spreads and borrowing costs. The 15-year fixed rate continues to offer the lowest rate among available purchase options, appealing to members seeking shorter-term commitments and reduced interest expenses. This stability benefits first-time buyers planning long-term homeownership by providing predictable payment structures. Veterans and refinancing applicants should note these unchanged rates when evaluating loan timing or structure. Members may consider fixed-rate loans for consistent budgeting or assess refinancing only if potential savings clearly outweigh associated fees.

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

As of November 24, 2025, 15 Year Conforming Fixed Purchase loans maintain a stable rate of 4.5%, unchanged over the past week and month. Similarly, the 30 Year Conforming Fixed Purchase rate remains steady at 5.0% with no movement in yield spreads during this period. This stability in mortgage rates supports predictable cost of borrowing for buyers opting for fixed-rate terms. First-time homebuyers and those seeking long-term payment consistency may find these rates conducive to budgeting. Given the absence of rate fluctuations, members should evaluate fixed-rate options if they prioritize payment certainty. Additionally, potential purchasers might consider locking in current rates amid broader market uncertainties. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of November 24, 2025, the 30-year Fixed-Rate Mortgage for purchase remains steady at 5.00%, with no change over the past week or month. This stability in yield spreads indicates a consistent cost of borrowing for borrowers seeking long-term financing. For first-time buyers and those prioritizing payment predictability, locking in this fixed rate offers clarity amid fluctuating market conditions. While refinancing options are limited in today’s data, members should monitor rates closely and evaluate fixed-rate programs to mitigate interest rate risk over the loan term. Consider your mortgage strategy carefully; if you value certainty in monthly payments, fixed-rate purchase loans at 5.00% remain a viable option. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of November 24, 2025, FIREFIGHTERS FIRST credit union reports stable mortgage rates with no change over the past week. The 15-Year Fixed Purchase mortgage remains at 3.50%, representing the lowest rate available today and offering a competitive option for members prioritizing shorter-term financing and faster equity building. Meanwhile, the 30-Year Fixed Purchase loan holds steady at 3.75%, maintaining its position as a suitable choice for borrowers seeking predictable monthly payments over a longer term.

The absence of rate fluctuations in both fixed-rate products suggests consistent yield spreads and borrowing costs this period. For members evaluating purchase options, particularly first-time buyers or those requiring budget stability, these fixed rates provide transparent cost expectations. Considering current market conditions, members should assess their long-term financing goals; those valuing payment certainty may find fixed-rate loans advantageous.

Evaluate your mortgage strategy accordingly; stable rates present an opportunity to lock in predictable terms or explore refinancing if aligned with financial objectives. For details, visit http://www.firefightersfirstcu.org/Resources/Support/Rates#Collapse_2341.

As of November 24, 2025, 15 Year Fixed Purchase loans remain at a competitive 4.875%, unchanged over the past week and month. This rate represents the lowest available yield in today’s mortgage offerings, maintaining a stable borrowing cost for members seeking shorter-term fixed-rate financing. Meanwhile, the 30 Year Fixed Purchase rate holds steady at 5.75%, showing no variation in the last 7 or 30 days. Stability in these rates provides predictability for first-time buyers and those planning long-term homeownership.

Members prioritizing payment consistency may benefit from evaluating these fixed-rate options amid steady yield spreads. Considering refinancing should focus on potential savings exceeding transaction costs given current rate stability.

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

As of November 24, 2025, 15-Year Land Loan purchase rates remain steady at 6.25%, unchanged over the past week but down 50 basis points compared to 30 days ago. The 30-Year Fixed Purchase rate holds at 5.875%, also stable week-over-week and reduced by 25 basis points since last month. These yield movements suggest a modest easing in borrowing costs for members seeking longer-term fixed-rate financing options. First-time buyers might find the current 30-year fixed rate advantageous for predictable payments, while land purchasers benefit from lower short-term borrowing costs relative to a month prior. Members should consider their mortgage horizon carefully; evaluating fixed-rate products now may help secure stable financing amid recent declines. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of November 24, 2025, High Balance Fixed Purchase Mortgages show slight stability in rates. The 15-year High Balance Fixed Purchase remains at 5.50%, unchanged over the past week but down by 12.5 basis points from 30 days ago, indicating a modest easing in borrowing costs for shorter-term commitments. Similarly, the 30-year High Balance Fixed Purchase holds steady at 5.75%, also unchanged week-over-week and lower by 12.5 basis points compared to one month prior. These stable yields suggest limited immediate volatility in long-term fixed-rate products, beneficial for buyers prioritizing predictable payments. Members considering large loan amounts might evaluate these fixed options for cost certainty amid gradual rate declines. Given this data, assessing your mortgage strategy with attention to term length and balance can optimize financing costs in today’s market environment. For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

As of November 24, 2025, Super Conforming 15 Year Fixed Purchase loans hold the lowest rate at 5.125%, unchanged from one week ago but up 25 basis points compared to 30 days prior. Meanwhile, the Super Conforming 30 Year Fixed Purchase rate remains steady at 5.75%, with no change over the past week and a modest increase of 12.5 basis points since late October. These shifts indicate a gradual rise in borrowing costs over the last month, impacting long-term affordability for buyers prioritizing fixed payments. Members considering new purchases should weigh the benefits of shorter terms with lower rates against longer terms that offer payment stability despite higher yields. Evaluating refinancing strategies could be prudent if current rates reduce overall interest expenses relative to closing costs. For details, visit https://www.sdfcu.org/rates#mortgages-block.

As of November 24, 2025, 15-year fixed purchase loans maintain a steady rate of 5.14%, unchanged over the past week and month, representing the lowest available rate among today’s options. Meanwhile, the 30-year fixed purchase loan rate has increased by 13 basis points over the last 30 days to 5.73%, though it remained stable week-over-week. These shifts imply a modest rise in long-term borrowing costs for those considering extended mortgage terms, potentially impacting affordability for first-time buyers or those seeking larger loan amounts.

Members prioritizing payment stability may find value in the consistent 15-year fixed rate, which offers predictable yield spreads without recent volatility. Given current trends, evaluating refinancing strategies is advisable if anticipated savings exceed transaction costs.

For details, visit https://www.vcu.com/rates#mortgage-rates.

As of November 24, 2025, mortgage rates are mixed, with the 15-Year Fixed Rate Jumbo increasing to 6.194%, up by 13 basis points from yesterday and showing a notable rise of 15 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo remains stable at 6.366%, with no change from the previous day and a slight increase of 9 basis points in the last week. Borrowers considering these products may find favorable conditions for short-term financing, particularly with the recent upward movement in the 15-year option. Monitoring these fluctuations can aid in making informed borrowing decisions.

As of November 24, 2025, inflation expectations, as indicated by the Breakeven Inflation Rates, show stability with the 10-Year Rate at 2.240% and the 5-Year Rate at 2.320%. In contrast, mortgage rates are experiencing significant downward shifts; for instance, the Mortgage 30Yr Jumbo Average Rates dropped by 6.51 points in one day, reflecting broader trends in borrowing costs. This decline signals favorable conditions for potential homebuyers, especially considering that the lowest mortgage rate currently is the Mortgage 30Yr Va Average Rate at 5.896%. Borrowers should monitor these changes closely, as they directly affect affordability and investment decisions in real estate.

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