Lowest VA Fixed Loan Rate Drops to 4.75% | November 25, 2025 Update

As of November 25, 2025, Federal VA Loans for purchase show a modest decline in borrowing costs over the past week. The 15-year fixed VA loan rate stands at 5.125%, down 12.5 basis points from seven days ago, representing the lowest rate available today. Conversely, this rate has increased by 12.5 basis points compared to 30 days prior, indicating some recent upward pressure on yields. The 30-year fixed VA loan follows a similar pattern, currently at 5.625%, also down 12.5 basis points from last week but up by the same margin month-over-month.

For veterans and first-time buyers seeking long-term stability, these shifts imply slightly reduced weekly costs but higher rates than a month ago, affecting monthly payments and total interest expenses. Members should evaluate their mortgage strategies carefully; those valuing payment predictability might consider locking in fixed rates now, while others may assess refinancing if potential savings outweigh closing costs.

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

As of November 25, 2025, the VA 30-Year Fixed Purchase loan stands at a rate of 5.25%, marking a decline of 12.5 basis points from one week ago while remaining steady compared to one month prior. This tightening in yield spreads slightly lowers the cost of borrowing for veterans and eligible buyers, potentially improving affordability on new home purchases. The modest weekly rate decrease may benefit members planning to lock in long-term financing stability, as fixed-rate terms shield against future market volatility. Given this data, members should evaluate whether locking a fixed VA loan aligns with their financial goals, especially if seeking predictable payments. Consider analyzing refinancing options if current rates offer meaningful savings relative to closing costs. For details, visit https://www.columbiacu.org/home-loans/.

As of November 25, 2025, CREDIT UNION 1 reports stable mortgage rates for veteran homebuyers. The 15-year VA Loan remains at 5.125%, unchanged over the past week and month, maintaining its position as the lowest rate available today. Similarly, the 30-year VA Loan holds steady at 5.625%, with no movement in yield spreads compared to both 7 and 30 days ago.

For veterans considering a new purchase, these fixed-rate options offer predictable borrowing costs without recent volatility in basis points. Stability in these rates supports clearer financial planning for those prioritizing long-term payment certainty.

Members should evaluate their mortgage strategy based on current rate stability; specifically, consider fixed-rate loans if consistent payments are a priority, or assess refinancing opportunities only if potential savings outweigh closing costs.

For details, visit https://www.cu1.org/rates#real-estate-rates.

On November 25, 2025, CREDIT UNION WEST reports stable mortgage rates for purchase loans. The 15-Year Fixed Purchase rate remains steady at 5.125%, unchanged from a week ago, representing the lowest rate available today. Meanwhile, the 30-Year Fixed Purchase rate increased by 11.5 basis points, rising to 5.49% from last week’s 5.375%. This uptick reflects tightening yield spreads and a higher cost of borrowing for long-term fixed options.

For members prioritizing predictability and faster payoff, the 15-year fixed offers a consistent, lower rate environment. In contrast, buyers seeking longer terms face slightly elevated rates that may impact monthly affordability. Given these movements, members should evaluate their mortgage strategies carefully; those considering long-term financing might explore fixed-rate options if stability is paramount, while others could assess refinancing opportunities if potential savings justify associated costs.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of November 25, 2025, 15-year Fixed Purchase loans maintain a rate of 5.125%, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. Similarly, the 30-year Fixed Purchase rate stands at 5.625%, stable over the past seven days yet increased by 12.5 basis points month-over-month. These shifts indicate a modest rise in the cost of borrowing for fixed-rate home purchases, impacting affordability for buyers locking in long-term financing. First-time buyers and those seeking predictable payments may find evaluating 15-year fixed options advantageous amid current yield spreads. Given steady short-term rates with gradual upward pressure over a month, members should carefully assess refinancing opportunities or mortgage terms aligned with their financial goals and risk tolerance.

For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of November 25, 2025, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.125%, down 12.5 basis points from last week but up 25 basis points compared to 30 days ago. The longer-term VA 30-Year Fixed Purchase rate stands at 5.75%, also decreasing by 12.5 basis points in the past seven days, yet rising by 25 basis points over the month. These modest declines in short-term yield spreads reduce the immediate cost of borrowing for veterans seeking to purchase a home, with more pronounced increases over a month indicating potential tightening in long-term fixed-rate affordability. Members prioritizing payment stability may consider locking in current fixed VA rates, while those evaluating purchase timing should weigh recent upward trends against short-term dips. For veterans and first-time buyers, monitoring these shifts is crucial when structuring financing strategies.

Consider refinancing only if projected savings surpass transaction costs based on current rate volatility. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of November 25, 2025, VA 15 Year Fixed Purchase loans hold the lowest rate at 5.25%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. Similarly, the VA 30 Year Fixed Purchase program remains steady at 5.875%, with no change over the past week and a rise of 12.5 basis points over the last month. These increases in yield spreads indicate a modest uptick in borrowing costs for veterans seeking to purchase homes with fixed-rate options.

For veterans prioritizing shorter-term financing, the 15-year VA fixed rate offers relative stability despite recent increases; longer-term borrowers under the 30-year VA fixed plan face slightly higher cumulative costs due to elevated rates this month versus last. Members should evaluate their mortgage strategy carefully, those valuing payment predictability might consider locking in fixed rates now, while others could assess refinancing opportunities if long-term savings justify closing costs.

For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

On November 25, 2025, 15-year VA fixed-rate purchase loans offer the lowest yield at 5.125%, down 12.5 basis points from last week but up slightly by 12.5 basis points compared to 30 days ago. Meanwhile, the 30-year VA fixed-rate purchase program stands at 5.375%, also decreased by 12.5 basis points over the past week and stable relative to 30 days prior. These shifts indicate a modest tightening in borrowing costs for veterans seeking long-term home financing. First-time buyers and veteran borrowers may find the short-term rate declines beneficial when locking in rates, while those considering longer-term commitments should note the unchanged 30-day yields. Members are advised to evaluate fixed-rate options for cost predictability or assess refinancing opportunities if potential savings surpass transaction expenses. For details, visit https://www.macu.com/rates/home.

As of November 25, 2025, 15-Year Fixed Purchase loans are priced at a competitive 4.75%, marking a 12.5 basis point decrease from last week and holding steady over the past month. This reduction lowers the cost of borrowing for buyers seeking shorter-term fixed-rate financing, potentially benefiting those aiming to build equity faster. Meanwhile, the 30-Year Fixed Purchase loan rate stands at 5.25%, also down by 12.5 basis points week-over-week but unchanged compared to 30 days ago. Longer-term borrowers may find stability in these rates, which remain elevated relative to earlier months but have stabilized recently.

Members considering new purchases should weigh fixed-rate options for predictable payments amid moderate yield fluctuations. Evaluating mortgage strategies now could be prudent, especially if refinancing savings surpass associated costs. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of November 25, 2025, VA 15-Year Fixed Purchase loans are priced at 5.0%, holding steady over the past week but up 12.5 basis points compared to 30 days ago. This reflects a modest increase in borrowing costs for veterans seeking shorter-term fixed-rate options. Meanwhile, the VA 30-Year Fixed Purchase rate has declined by 12.5 basis points in the last seven days to 5.625%, maintaining stability relative to a month ago; this yields more favorable terms for borrowers prioritizing longer amortization and manageable monthly payments.

For veterans and first-time buyers evaluating mortgage strategies, the current data suggests considering fixed-rate products if predictability is paramount, especially given recent yield spread shifts. Assess refinancing potential carefully, focusing on whether interest savings surpass associated fees.

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

As of November 25, 2025, mortgage rates show a slight decline for the 15-Year Fixed Rate Jumbo, now at 6.210%, down by 1 basis point from yesterday, while the 30-Year Fixed Rate Jumbo remains stable at 6.381%. Over the past week, the 15-Year Fixed Rate Jumbo has decreased by 9 basis points, indicating a favorable shift for borrowers considering shorter-term loans. However, in the last month, this product has seen an increase of 16 basis points, reflecting some volatility in the market. Borrowers should carefully evaluate these trends and consider how these changes may affect their overall cost of borrowing when selecting a mortgage product.

Recent data shows the Breakeven Inflation Rates for both 10-year and 5-year periods at 2.230% and 2.300%, respectively, indicating stable inflation expectations. However, mortgage rates have seen significant declines, particularly in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.45 points in just one day and 6.53 points over the past month, now averaging 6.451%. This reduction may ease borrowing costs for potential homebuyers but highlights a shifting yield curve that suggests caution in future lending strategies. The lowest mortgage rate recorded is the 30Yr USDA Average Rate at 5.973%. Monitoring these trends is essential for informed financial decisions amid changing economic conditions.

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