November 29, 2025 | Lowest ARM Purchase Rate Steady at 4.75%

As of November 29, 2025, the 7/6 ARM Adjustable Rate Mortgage for purchase loans remains steady at a competitive 4.75%, unchanged from one week ago and consistent with rates observed up to 45 days prior. This stability in the cost of borrowing suggests limited short-term volatility in yield spreads for this product. For members considering home purchases, especially those planning to own for fewer than seven years, the fixed initial rate period offers predictable payments before potential adjustments.

First-time buyers can benefit from locking in today’s 4.75% rate without incurring points, while veterans or refinancers may explore other options as available. Given the absence of rate increases over the past month, borrowers should assess their time horizon and risk tolerance carefully; those valuing payment certainty might evaluate fixed-rate alternatives if offered.

Members are advised to analyze whether an adjustable product aligns with their financial strategy, considering refinancing only if long-term cost reductions exceed associated fees. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of November 29, 2025, the 5/6 ARM (NH only) Adjustable Purchase mortgage stands at a 30-year rate of 6.125%, down 12.5 basis points from last week and 25 basis points lower than 30 days ago. This decline in yield spreads reduces the cost of borrowing for homebuyers opting for adjustable-rate products, potentially benefiting those seeking initial lower payments compared to fixed rates. For first-time buyers considering entry into the market, this adjustment may improve affordability in the near term. However, borrowers should carefully evaluate potential rate adjustments after the initial fixed period. Members with longer-term planning horizons might consider fixed-rate options to manage interest rate risk. Given current trends, it is prudent to assess your mortgage strategy and refinancing opportunities where savings exceed associated costs.

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

On November 29, 2025, adjustable-rate mortgages (ARMs) for purchase show mixed movements. The 7/1 ARM increased by 37 basis points from last week to 6.12%, reflecting higher cost of borrowing and potential yield spread shifts. The 10/1 ARM remains steady at 5.875%, representing the lowest rate among today’s ARMs, offering a competitive option for buyers valuing initial rate stability. The 15/15 ARM holds at 6.00%, down 12 basis points over 30 days, signaling modest easing in longer-term adjustable products.

For members considering purchase loans, rising rates on the 7/1 ARM may affect monthly payments and affordability. Veterans or buyers seeking predictable payments might evaluate the stable 10/1 ARM. Given current trends, borrowers should consider fixed-rate options if they prioritize payment certainty or assess refinancing if rate drops exceed closing costs.

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

As of November 29, 2025, mortgage rates remain stable for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans, with rates at 6.304% and 6.425%, respectively. Over the past week, the 15-Year Fixed Rate Jumbo saw an increase of 0.00 basis points, while the 30-Year Fixed Rate Jumbo also held steady with no change. When looking back over the past month, the 15-Year Fixed Rate Jumbo rose by 0.09 basis points, indicating a slight upward trend in borrowing costs. Borrowers should be aware that while current rates are stable, they may still face higher costs compared to earlier this year. Monitoring these trends is advisable for making informed mortgage decisions.

Recent data reveals that breakeven inflation rates for both 10-year and 5-year periods are stable at 2.230% and 2.290%, respectively, indicating steady inflation expectations. However, mortgage rates are showing significant volatility, particularly in the 30-year Jumbo Average Rates, which have decreased by 6.45 points over the past day, week, and month, reflecting a shift in borrowing costs. The 30-year FHA, USDA, and VA average rates also show declines of up to 6.07 points recently. With the current lowest mortgage rate at 5.510% for the 15-year term, potential borrowers should closely monitor these trends as they influence financing decisions and overall affordability in the housing market.

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