December 1, 2025 | Lowest Fixed Purchase Rate Holds at 3.99% Today

As of December 1, 2025, AFFINITY members will find stable mortgage rates with no changes over the past week or month. The 15-Year Fixed Rate Purchase loan remains at 5.125%, representing the lowest rate available today, supporting borrowers seeking shorter-term financing with predictable payments. Meanwhile, the 30-Year Fixed Rate Purchase loan holds steady at 5.75%, maintaining its position for those prioritizing lower monthly payments over longer amortization.

These unchanged rates suggest stable yield spreads and borrowing costs in the current market environment. For first-time buyers and those aiming for long-term affordability, locking in a fixed rate may provide financial certainty. Members considering refinancing should evaluate potential savings against closing costs given this rate stability.

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

As of December 1, 2025, ALOHA PACIFIC reports stable mortgage rates for purchase loans in fixed conforming programs. The 15 Year Conforming Fixed Purchase rate remains at 4.5% with 2.0 points, unchanged over the past week and month, representing the lowest yield among available options. Similarly, the 30 Year Conforming Fixed Purchase rate holds steady at 5.0% with 2.0 points, showing no movement in recent periods.

For members prioritizing predictable payments and lower interest expense, the 15-year fixed option offers a cost-effective borrowing opportunity with its comparatively lower yield spread. Meanwhile, buyers seeking longer-term financing retain consistent pricing on the 30-year fixed, facilitating stable budgeting without increased borrowing costs.

Given these unchanged rates, borrowers should assess their financial goals and consider fixed-rate products to lock in current yields. Evaluating mortgage strategy now can support long-term savings and mitigate future rate volatility risks.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On December 1, 2025, the 30-year Fixed-Rate Mortgage for purchase remained steady at 5.0%, showing no change over the past 7 and 30 days. This stability in rates means the cost of borrowing has held constant, allowing buyers to plan without concern for immediate rate fluctuations. For first-time homebuyers, this consistent yield spread supports predictable monthly payments, while current homeowners evaluating purchase options can rely on a stable fixed-rate environment. Given the absence of rate movement, members may want to focus on creditworthiness and loan terms rather than timing market shifts. Consider fixed-rate mortgages if you value payment certainty or evaluate your mortgage strategy thoroughly when planning new home purchases. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 1, 2025, FAMILY TRUST reports steady mortgage rates with no changes in recent weeks for purchase loans. The 15-Year Fixed Rate remains at a competitive 4.708%, representing the lowest rate available today and offering lower overall interest costs for borrowers prioritizing shorter terms. The 30-Year Fixed Rate holds steady at 5.5%, showing no change over the past week but a slight decline of 5 basis points compared to 30 days ago, which may benefit buyers seeking longer-term stability with manageable monthly payments.

For members considering new purchases, the stable yield spreads suggest predictable borrowing costs; first-time buyers might favor the fixed 15-year option to reduce interest expense, while others may find value in the 30-year fixed for cash flow flexibility. Given these trends, evaluating your mortgage strategy with an emphasis on term length and cost implications is advisable. Consider refinancing if potential savings exceed associated costs.

For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

On December 1, 2025, 30-Year Fixed Purchase mortgage rates rose by 24 basis points, now at 3.99%, compared to last week’s 3.75%. The 15-Year Fixed Purchase rate increased more sharply, up 75 basis points to 4.25% from 3.50% seven days ago. These increases indicate higher yield spreads and a rising cost of borrowing for fixed-rate homebuyers. First-time buyers and those prioritizing payment stability may face increased monthly obligations, while homeowners considering refinancing should carefully evaluate if potential savings offset the elevated rates. Given these movements, members are advised to consider fixed-rate options if they value predictability or assess refinancing opportunities when long-term savings justify upfront costs.

For details, visit http://www.firefightersfirstcu.org/Resources/Support/Rates#Collapse_2341.

As of December 1, 2025, mortgage rates at FIRST COMMUNITY remain stable with no change over the past week or month. The 15 Year Fixed Purchase rate holds at a competitive 4.875%, representing the lowest yield among today's options and a significant 37.5 basis points lower than rates from 60 days ago. Meanwhile, the 30 Year Fixed Purchase rate remains steady at 5.75%, unchanged from both one week and one month prior.

This stability benefits members prioritizing predictable payments; first-time buyers may find the 15 Year Fixed option advantageous for faster equity building at a lower rate, while those requiring longer terms can rely on consistent pricing in the 30 Year Fixed product. Given the flat rate environment, members should evaluate refinancing strategies if current balances are higher than these benchmarks to potentially reduce long-term borrowing costs.

Consider fixed-rate options for payment certainty and analyze your mortgage strategy against prevailing yields. For details, visit https://fccu.org/rates/home-loan-rates.

As of December 1, 2025, the 15-Year Land Loan purchase rate remains steady at 6.25%, unchanged from last week but down 50 basis points compared to 30 days ago. This decline reduces borrowing costs for buyers seeking shorter-term land financing. The 30-Year Fixed Purchase rate holds at 5.875%, also stable over the past week and decreased by 25 basis points month-over-month, representing the lowest available fixed rate today. These yield spreads suggest a favorable environment for buyers prioritizing long-term payment stability. Members planning home purchases should evaluate fixed-rate options for predictable costs, while those considering land acquisition benefit from recent rate reductions. Given these trends, carefully assessing your mortgage strategy could optimize financing expenses in this shifting rate landscape. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

On December 1, 2025, the 30-year Fixed Rate Mortgage for purchase loans at SIERRA CENTRAL remains steady at 6.833% with 1.0 point, showing no change from both 7 and 30 days ago. This stability in rates means borrowing costs have held firm recently, providing predictable yield spreads for members planning long-term home financing. First-time buyers benefit from this rate consistency by locking in fixed payments without unexpected increases. Although refinancing options are not featured today, members should monitor movements closely to evaluate if future rate shifts could reduce their overall interest burden. For those prioritizing payment stability amid market fluctuations, maintaining or considering a fixed-rate mortgage remains a prudent strategy. Consider reviewing your mortgage approach regularly to align with evolving cost structures. For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

As of December 1, 2025, ST. MARY'S BANK reports stable mortgage rates for New Hampshire residents. The 15-Year Fixed (NH only) loan remains at 5.50%, unchanged over the past week and month, maintaining its position as the lowest rate option today. The 30-Year Fixed (NH only) purchase rate holds steady at 5.75% compared to last week but shows a modest decline of 12.5 basis points from 30 days ago, reflecting a slight easing in long-term borrowing costs.

For members seeking predictable payments, the consistent 15-year fixed offers cost certainty without recent rate volatility. Meanwhile, the minor dip in the 30-year fixed may benefit buyers prioritizing lower monthly outlays over longer terms. Those evaluating refinancing should assess whether current rates reduce their total interest burden sufficiently to justify associated fees.

Consider your mortgage strategy in light of these stable yet nuanced rate movements; fixed-rate options provide stability amid subtle market shifts. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

As of December 1, 2025, 15-Year Fixed Purchase mortgage rates remain steady at 5.14%, unchanged over the past week and month, representing the lowest yield among today’s options. Conversely, the 30-Year Fixed Purchase rate increased by 13 basis points over the last 30 days to 5.73%, with no change in the past week. This rise in long-term fixed rates increases the cost of borrowing for buyers prioritizing extended loan terms, impacting monthly payments and overall interest expense.

Members seeking predictability and lower total interest may favor the 15-Year Fixed option due to its stable rate environment. For those considering longer terms, assessing current rate trends is critical; a higher yield spread suggests evaluating refinancing only if potential savings outweigh transaction costs. Veterans or government-backed borrowers should monitor these fixed-rate movements when comparing alternatives.

Given this data, members are encouraged to consider fixed-rate options if valuing payment stability and to evaluate refinancing when long-term savings exceed associated fees. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of December 1, 2025, mortgage rates have experienced a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.213%, down by 0.09% from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.344%, decreasing by 0.08% over the same period. In the past week, the 30-Year Fixed Rate Jumbo saw a slight drop of 0.04%, reflecting a modest shift in borrowing costs. Over the past month, rates for the 30-Year Fixed Rate Jumbo increased by 0.03%, indicating potential volatility ahead for borrowers. Those looking to secure financing may benefit from assessing these trends closely to optimize their mortgage options based on current conditions.

Current inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-Year rate at 2.230% and the 5-Year rate at 2.290%, signaling stable inflation outlooks. Meanwhile, mortgage rates have seen significant declines, particularly in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.45 points over the past week and 6.36 points over the last month, impacting borrowing costs considerably. The lowest mortgage rate noted is for the Mortgage 30Yr VA Average Rates, currently at 0.000%. These trends indicate a favorable environment for potential borrowers; however, monitoring inflation indicators remains essential for informed financial decisions.

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