November 26, 2025 | Lowest Purchase FHA Fixed Rate at 4.75% Today

As of November 26, 2025, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This stable yield reflects a modest easing in borrowing costs over the past month, benefiting first-time buyers who typically utilize FHA loans for lower down payments. The consistent rate environment supports predictable monthly payments, crucial for budget-conscious members. Given this trend, borrowers valuing payment stability should consider locking in fixed-rate options now. Additionally, those evaluating refinancing might find opportunities to reduce long-term expenses if their current rates exceed today’s levels by a meaningful margin. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

As of November 26, 2025, the 15-year Fixed Purchase mortgage rate stands at 5.0% with 1.0 point, marking a decrease of 12.5 basis points compared to one week ago. This recent decline follows a notable rise of 62.5 basis points over the past 30 days, indicating some volatility in yield spreads for shorter-term fixed loans. For homebuyers, especially those prioritizing stability and predictable payments, this adjustment slightly lowers the cost of borrowing versus last week but remains elevated relative to a month prior. Members considering purchase financing should evaluate whether locking in today’s rate aligns with their financial strategy, particularly if they value payment certainty over potential future fluctuations. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On November 26, 2025, FHA 15-Year Fixed Purchase loans offer the lowest rate at 5.00%, reflecting a notable decline of 25 basis points compared to last week, though slightly higher by 12.5 basis points versus one month ago. Similarly, the FHA 30-Year Fixed Purchase rate stands at 5.625%, down 25 basis points week-over-week but up 12.5 basis points over the past 30 days. These yield movements suggest modest short-term easing in borrowing costs for fixed-rate FHA purchases, which benefits first-time buyers and those seeking predictable payments over longer terms. Members should assess whether locking in current rates aligns with their financial goals; particularly, those valuing payment stability may consider fixed-rate options given recent fluctuations. Evaluate refinancing potential only if projected savings surpass associated fees and expenses. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of November 26, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged from both one week and one month ago. This stability in rates suggests no immediate shift in borrowing costs for first-time homebuyers or those utilizing FHA financing. While rates have held firm recently, they remain elevated compared to 45 and 60 days ago, indicating a higher cost environment than earlier this year. Members seeking predictable monthly payments may find value in locking a fixed-rate FHA loan now, given the current yield stability. Veterans and refinance applicants should monitor potential rate fluctuations closely. Consider evaluating your mortgage strategy with an emphasis on fixed-rate options if you prioritize payment consistency or assess refinancing opportunities only if expected savings exceed associated fees. For details, visit https://fccu.org/rates/home-loan-rates.

On November 26, 2025, 15 Year Fixed FHA Mortgage rates remain stable at 5.00%, unchanged over the past week and month, representing the lowest rate among today’s FHA purchase options. This stability benefits borrowers seeking shorter-term financing with predictable payments and lower overall interest costs. Meanwhile, the 30 Year Fixed FHA Mortgage rate has decreased by 12.5 basis points from last week to 5.25%, maintaining steady levels compared to a month ago. This reduction slightly lowers the cost of borrowing for long-term buyers prioritizing affordability and fixed payments.

Members considering home purchases should evaluate how these rate trends impact their mortgage strategy; those valuing payment consistency might prefer the unchanged 15-year option, while others could find cost efficiencies in the modest decline of the 30-year product. It remains prudent to assess refinancing possibilities when potential savings exceed associated costs.

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

As of November 26, 2025, 15-year FHA fixed-rate purchase loans offer the lowest rate at 5.0%, down by 12.5 basis points from last week but up slightly by 12.5 basis points compared to 30 days ago. Meanwhile, the 30-year FHA fixed-rate purchase loan stands at 5.25%, also down by 12.5 basis points over seven days, with no change relative to 30 days prior.

These modest decreases in yield spreads can reduce borrowing costs for first-time buyers relying on government-backed programs, improving affordability on shorter-term commitments and long-term stability alike. Members considering a fixed-rate FHA mortgage should evaluate whether locking in current rates aligns with their financial goals.

Given recent rate fluctuations, members may benefit from reviewing refinancing options if potential savings outweigh associated costs or consider fixed-rate products for predictable payments amid market variability.

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

As of November 26, 2025, the 30-year Fixed FHA Purchase Loan rate remains steady at 5.25% with 1.375 points, unchanged over the past week and month. This stability indicates no immediate increase in borrowing costs for first-time homebuyers or those leveraging government-backed options to enter the housing market. The absence of rate fluctuations suggests consistent yield spreads and predictable payment structures for members prioritizing long-term fixed-rate security.

For members evaluating their mortgage strategies, maintaining a fixed FHA rate at this level supports cost certainty amid broader market volatility. It is advisable to assess your financial goals and consider fixed-rate options if you value stability or plan on holding the loan long term. For detailed current rates, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of November 26, 2025, the 15-Year Fixed Purchase mortgage rate increased by 12.5 basis points, rising to 4.75% from 4.625% a week ago, while remaining steady compared to 30 days prior. This uptick raises the cost of borrowing for buyers prioritizing shorter-term loans, potentially affecting affordability for those aiming to build equity faster. Conversely, the 30-Year Fixed Purchase rate held steady at 5.375% over the past week but is up by 12.5 basis points compared to a month ago, indicating a modest increase in long-term borrowing costs.

Members seeking predictability may find value in locking fixed rates now, given recent upward shifts in shorter-term yields. Evaluating refinancing options remains prudent when potential savings surpass associated fees, especially for those with existing loans at higher rates. Consider your mortgage strategy carefully in light of these yield spreads.

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

As of November 26, 2025, FHA 15-Year Fixed Purchase loans maintain a steady rate at 5.125%, unchanged from both one and 30 days ago, reflecting stability in short-term government-backed fixed rates. Similarly, the FHA 30-Year Fixed Purchase rate remains at 5.875%, showing no movement over the past week or month but a notable decrease of approximately 12.5 basis points compared to 45 days prior. These stable yield spreads suggest consistent borrowing costs for first-time buyers seeking low down payment options under FHA programs. Members prioritizing predictable payments may find value in these fixed-rate terms amid a stable rate environment. Evaluate your mortgage strategy by considering fixed FHA loans for long-term budgeting certainty; refinancing decisions should weigh current rates against closing costs and remaining loan duration. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

On November 26, 2025, the 30-Year Fixed FHA Purchase mortgage rate stands at 5.375%, reflecting a 12.5 basis point decrease from one week ago and no change compared to 30 days prior. This decline in yield spreads lowers the cost of borrowing for first-time homebuyers relying on FHA-backed financing. Stability over the past month suggests a steady environment for borrowers evaluating long-term fixed-rate options. Members considering new purchases may benefit from locking in rates now to secure predictable payments amid recent market fluctuations. Given these dynamics, it is prudent to assess your mortgage strategy carefully; for some, a fixed-rate FHA loan at this level can offer both affordability and certainty. Consider refinancing only if potential savings outweigh closing costs based on current trends.

For details, visit https://www.sunmark.org/index.php/current-rates#:~:text=Mortgages-,MORTGAGE%20TYPE,-RATE

As of November 26, 2025, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is now at 6.239%, down by 3 basis points from yesterday and experiencing a notable decline of 17 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo stands at 6.305%, also down by 4 basis points from the previous day but seeing only a slight decrease of 13 basis points week-over-week. In the past month, the 15-Year Fixed Rate Jumbo has increased by 22 basis points, indicating fluctuating borrowing costs for potential homeowners. Borrowers may find opportunities in these shifting rates but should assess their long-term financial plans carefully.

Current inflation expectations reflected in the Breakeven Inflation Rates show a slight decline, with the 10-year rate at 2.220% and the 5-year rate at 2.270%. These shifts can influence mortgage rates, impacting the cost of borrowing for consumers. Notably, the Mortgage 30Yr Average Rates have seen a significant drop of 6.30 points over the past 60 days, while the Mortgage 30Yr Usda Average Rates experienced a decrease of 0.12 points in the last week. For borrowers, this suggests potential cost savings; however, they should remain vigilant as mortgage rates fluctuate. The lowest rate currently recorded is 5.841% for the Mortgage 30Yr Va Average Rates, indicating opportunities for favorable financing options.

For many buyers, the path to homeownership starts with questions—about mortgage rates, lender choices, and what really makes a good deal. At LendMesh, we’re here to turn those questions into confidence. Our platform connects you with credit unions and banks that compete for your trust, not just your business. Whether you want to compare rates, explore home loan programs, or simply get advice from someone who’s been there, you’ll find it all in one easy-to-use place. Begin your journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh is committed to making your home buying process smart, transparent, and empowering.