November 27, 2025 | Lowest Jumbo Fixed Purchase Rate Holds at 4.875%

As of November 27, 2025, the 30 Year Jumbo Fixed Purchase mortgage rate remains steady at 5.0% with 2.0 points. There has been no change in yield spreads over the past week or month, indicating a stable cost of borrowing for high-value home purchases. This stability benefits borrowers seeking predictable payments without rate volatility. For members considering jumbo loans, especially those purchasing luxury or higher-priced homes, locking in fixed rates now provides budget certainty amid broader market fluctuations. Veterans or first-time buyers should note this product’s applicability is limited to jumbo amounts, so alternative programs may be better suited. Members should assess their long-term housing plans and consider fixed-rate options if payment consistency is a priority. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of November 27, 2025, COLUMBIA COMMUNITY reports stable mortgage yields on Jumbo 15-year fixed purchase loans, holding steady at 5.00%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. Meanwhile, the Jumbo 30-year fixed purchase rate declined by 25 basis points over the past week to a current rate of 5.875%, though this reflects an increase of 12.5 basis points relative to one month ago.

These shifts affect borrowers differently: those seeking shorter-term jumbo financing face slightly higher borrowing costs compared to last month, while long-term borrowers benefit from recent yield compression, potentially lowering monthly payments and total interest expense. Members considering large loan amounts should evaluate whether locking in today’s fixed rates aligns with their financial strategies given recent volatility.

For members prioritizing rate stability amid fluctuating market conditions, fixed-rate jumbo loans remain a prudent option. Review your mortgage approach carefully; consider refinancing if projected savings surpass associated costs.

For details, visit https://www.columbiacu.org/home-loans/.

As of November 27, 2025, the 30-year Fixed Jumbo Mortgage rate for purchase remains steady at 4.875%, showing no change compared to both one week and one month ago. This stability in rates means borrowing costs for high-value home purchases have not fluctuated recently, maintaining predictable payment structures for borrowers in this segment. For members considering jumbo loans, especially those purchasing higher-priced properties, this consistent rate environment supports stable long-term planning without unexpected yield spread volatility. Veterans or first-time buyers aiming at jumbo financing should note the absence of rate movement may favor fixed-rate commitments over adjustable options due to predictable cost profiles. Given current market conditions, members should evaluate fixed-rate options if valuing payment stability and consider refinancing only when potential savings exceed associated costs. For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

As of November 27, 2025, DESERT FINANCIAL reports that the Jumbo 15 Year Fixed Rate Purchase mortgage remains steady at 5.375%, showing no change over the past week but a notable increase of 25 basis points compared to 30 days ago. Conversely, the Jumbo 30 Year Fixed Rate Purchase mortgage has decreased by 12.5 basis points in the last week to 5.875%, maintaining its level from 30 days prior.

For borrowers seeking shorter-term jumbo loans, the rising cost over the month may impact monthly payments and total interest, while longer-term jumbo loan applicants benefit from recent rate declines, potentially lowering long-term borrowing costs. Members considering stability should evaluate fixed-rate options carefully; those eligible for jumbo loans might assess refinancing opportunities where yield spreads favor longer terms.

Consider reviewing your mortgage strategy in light of these yield movements and consult your financial advisor to determine if refinancing can reduce overall expenses. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of November 27, 2025, Jumbo 15-Year Fixed Purchase loans remain steady at 5.25%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. This stability benefits borrowers seeking shorter-term financing with predictable payments, though the modest increase over a month slightly raises borrowing costs. Meanwhile, Jumbo 30-Year Fixed Purchase loans have declined notably by 25 basis points in the last week to 5.75%, maintaining the same rate as one month ago. This reduction improves affordability for buyers prioritizing longer amortization and lower monthly payments despite higher upfront points at 1.5.

Members weighing purchase options should consider the trade-off between term length and current yield spreads; fixed-rate jumbo products offer distinct cost structures amid recent fluctuations. For those valuing payment consistency, fixed-rate options at these levels provide clearer budgeting frameworks. Evaluating your mortgage strategy in light of these movements can help optimize long-term financial outcomes.

For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

On November 27, 2025, ENT reports that Jumbo 15-Year Fixed Purchase loans offer the lowest rate at 5.25%, marking a 12.5 basis points decrease from last week and stable compared to 30 days ago. Conversely, the Jumbo 30-Year Fixed Purchase rate stands at 6.00%, down by 12.5 basis points over seven days but up 12.5 basis points month-over-month, reflecting slight yield spread fluctuations.

For members considering large loan amounts, shorter-term jumbo fixed rates present a lower cost of borrowing amid recent market shifts; however, longer terms exhibit modest upward pressure over the past month. Borrowers prioritizing payment stability may evaluate the 15-year option, while those seeking lower monthly payments should monitor potential adjustments in 30-year yields.

Given current trends, members should assess their mortgage strategy carefully; consider refinancing if projected interest savings exceed associated costs.

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

As of November 27, 2025, 15-Year Fixed Jumbo Purchase rates stand at 4.625% with 0.875 points, marking a 25 basis points decrease from last week and holding steady compared to 30 days ago. This reduction lowers the cost of borrowing for borrowers seeking shorter-term jumbo loans, benefiting those prioritizing faster equity build-up and lower total interest expense.

Meanwhile, the 30-Year Fixed Jumbo Purchase rate is at 5.625% with 0.875 points, down by 37.5 basis points over the past seven days and unchanged from a month ago. This notable decline improves affordability for long-term jumbo loan buyers but maintains yield spreads that warrant careful budget evaluation.

Members considering jumbo purchases should weigh these recent rate declines against their financial goals; fixed-rate options may suit those valuing payment stability amid market fluctuations. For jumbo borrowers, evaluating refinancing opportunities could be advantageous if potential savings exceed associated costs.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of November 27, 2025, Conventional 15 Year Jumbo Fixed Purchase rates remain steady at 5.50%, unchanged from last week but up 12.5 basis points compared to a month ago. This stable yield suggests consistent borrowing costs for buyers seeking shorter-term jumbo loans, benefiting those prioritizing predictable payments over the loan term.

Conversely, the Homebuyers Choice 30 Year Jumbo Fixed Purchase rate decreased by 12.5 basis points week-over-week to 6.75%, though it is notably higher by 100 basis points versus 30 days prior. The recent decline may offer some relief for long-term jumbo borrowers, yet the substantial monthly increase underscores higher cost considerations for extended financing.

Members should evaluate fixed-rate options if they value payment stability; those with existing loans might assess refinancing opportunities to mitigate rising costs. Careful analysis of current yields and term preferences will support informed mortgage decisions.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of November 27, 2025, 30-year Jumbo fixed-rate purchase loans have decreased by 25 basis points, now at a rate of 5.625%, down from 5.875% one week ago. Similarly, the 15-year Jumbo fixed-rate purchase loans declined by 12.5 basis points to 5.625% over the same period. These shifts indicate a modest reduction in borrowing costs for high-value homebuyers seeking fixed-rate jumbo financing. For members considering long-term stability, the decline in these fixed rates could improve affordability and monthly payments. Given this trend, evaluating refinancing options or locking in a fixed rate may benefit borrowers aiming to manage yield spread risk amid fluctuating market conditions. Consider your mortgage strategy carefully when rate differences exceed refinancing costs.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of November 27, 2025, Jumbo 15-Year Fixed Purchase rates decreased by 25 basis points, settling at 5.25% with 1.0 point, marking the lowest rate among today’s jumbo options. This reduction lowers the cost of borrowing for buyers seeking shorter-term jumbo loans, potentially improving affordability for those prioritizing faster equity build-up. Meanwhile, the Jumbo 30-Year Fixed Purchase rate stands at 6.00% with 0.625 points, down by 12.5 basis points week-over-week but unchanged over the past month, maintaining a steady yield spread for longer-term financing.

For members evaluating mortgage strategies, these shifts suggest considering fixed-rate options if stability is a priority and assessing refinancing when rate drops surpass associated costs. Monitoring such movements can inform decisions on loan term selection and overall financial planning.

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

As of November 27, 2025, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo loan is currently at 6.218%, down by 0.02 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.309%, decreasing by 0.01 basis points. Over the past week, the 15-Year Fixed Rate Jumbo increased by 0.15 basis points, indicating slight upward pressure in that segment, while the 30-Year Fixed Rate Jumbo experienced a minor rise of 0.02 basis points over the same period. Borrowers should monitor these fluctuations as they can impact overall borrowing costs; securing a lower rate could provide significant savings over time.

Inflation expectations, as indicated by the Breakeven Inflation Rates, influence mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rate stands at 6.230, unchanged from yesterday but down 0.66 points year-over-year, while the 15Yr Average Rate is at 5.510, reflecting a decline of 0.52 points over the same period. The most notable change in the past week was a decrease of 0.15 points in the Mortgage 30Yr FHA Average Rates, impacting affordability for borrowers seeking lower-rate options. The lowest mortgage rate available is the Mortgage 30Yr VA Average Rate, currently at 5.766. Borrowers should consider these trends when evaluating their financing options to ensure cost-effective decisions.

The home loan landscape is always changing, but your need for reliable advice never goes out of style. At LendMesh, we keep our mortgage resources up to date with current rates, lender specials, and tips from real financial experts. We know that comparing banks and credit unions can seem overwhelming, so we’ve created a platform that breaks down your options and gives you actionable next steps. Whether you’re seeking a fixed-rate mortgage, a low down payment, or just honest answers, you’ll find it all here. Ready to make your next move? Explore the latest at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . your shortcut to smarter homeownership.