December 3, 2025 | Lowest FHA Fixed Purchase Rate Holds at 4.625%

As of December 3, 2025, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago and down 12.5 basis points compared to 30 days prior. This moderate decline in borrowing costs may benefit first-time homebuyers who rely on FHA loans for lower down payment options. Stability in this rate supports predictable monthly payments, aiding long-term financial planning.

Members considering new purchases with FHA financing should evaluate their fixed-rate options to maintain consistent payment schedules amid fluctuating market conditions. While refinancing activity is not reflected today, those with existing FHA loans might monitor rates for potential cost-saving opportunities.

For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

As of December 3, 2025, FHA 15-year fixed purchase loans offer the lowest rate at 5.375%, down 50 basis points from last week and 37.5 basis points over the past month. Similarly, FHA 30-year fixed purchase loans have decreased by 50 basis points in both weekly and monthly comparisons, now at 5.5%. These declines reduce the cost of borrowing for first-time homebuyers seeking government-backed options, improving affordability on both shorter and standard term loans. Members evaluating purchase opportunities should note the favorable yield spreads on FHA products, which may enhance purchasing power or allow for a lower monthly payment. Given these trends, consider fixed-rate options if you prioritize payment stability; prospective buyers might benefit from locking in rates before potential market shifts. For details, visit https://www.chartway.com/personal/learn/rates/loan-rates.html#mortgage.

As of December 3, 2025, the 15-year Fixed Purchase mortgage rate at Credit Union West stands at 5.125%, marking a 12.5 basis point increase compared to last week. This uptick reflects a modest rise in yield spreads, impacting the overall cost of borrowing for homebuyers seeking shorter-term fixed-rate financing. For members planning home purchases, particularly those aiming to build equity faster with a 15-year term, this rate change suggests slightly higher monthly payments than the previous week. While rates remain below recent historical highs, buyers should weigh the benefits of fixed-rate stability against incremental cost increases. Evaluating mortgage options now can help members align their long-term financial strategy with current market conditions. Consider refinancing if potential savings exceed transaction costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On December 3, 2025, FHA 15-Year Fixed Purchase loans maintain the lowest rate at 5.00%, unchanged from both one week and one month ago. Similarly, the FHA 30-Year Fixed Purchase rate holds steady at 5.625%, showing no movement over the past 7 and 30 days. This stability indicates consistent borrowing costs for members seeking government-backed financing options. First-time homebuyers relying on FHA loans benefit from predictable payment structures without recent rate volatility. For those evaluating long-term affordability, the unchanged yield spreads suggest limited immediate advantage in refinancing FHA purchase loans; however, fixed-rate products remain suitable for borrowers prioritizing payment certainty amid broader market fluctuations. Consider assessing your mortgage strategy based on current fixed rates and your financial horizon to optimize cost efficiency.

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

On December 3, 2025, 15 Year Fixed - Purchase loans hold the lowest rate at 5.375%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior, indicating a modest reduction in borrowing costs for shorter-term fixed mortgages. The 30 Year Fixed - Purchase rate remains steady at 5.625%, with no change over both the past week and month, reflecting stable long-term yield spreads.

For members considering home purchases, the reduced cost on the 15-year fixed option may benefit those seeking faster equity build-up and lower total interest expenses. Conversely, stability in the 30-year fixed rate supports predictable long-term budgeting for buyers prioritizing monthly affordability. Evaluating fixed-rate products aligned with your financial horizon is advisable amid these nuanced shifts. Consider your mortgage strategy carefully; refinancing may be advantageous if potential savings exceed associated costs.

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

As of December 3, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, showing no change over the past week or month. This stability in rates indicates consistent borrowing costs for first-time homebuyers relying on government-backed financing. With no recent fluctuations, members can expect predictable yield spreads and cost of borrowing when considering new home purchases under this program. For those evaluating their mortgage strategy, maintaining focus on fixed-rate options may provide long-term payment certainty amid broader market volatility. Members should analyze whether current rates align with their financial goals before proceeding. Consider refinancing if potential savings outweigh associated fees and closing costs to optimize loan terms. For details, visit https://fccu.org/rates/home-loan-rates.

As of December 3, 2025, 15 Year Fixed FHA Mortgage rates remain steady at 5.00%, holding firm over the past 7 and 30 days. This rate represents the lowest available option today, offering predictable payments for borrowers prioritizing shorter-term fixed financing. Meanwhile, the 30 Year Fixed FHA Mortgage increased by 12.5 basis points from last week to 5.375%, reflecting a slight uptick in long-term borrowing costs while remaining unchanged over the past month.

First-time buyers might benefit from locking in the stable 15-year term with no point adjustments, whereas those seeking longer amortization should weigh the modest rise in the 30-year FHA rate against their budget horizon. Veterans and refinance applicants should monitor these yields closely as small shifts can affect monthly obligations and total interest expense.

Members are advised to consider fixed-rate options if payment stability is essential and evaluate refinancing strategies when potential savings exceed associated costs. For details, visit https://www.gwcu.org/rates/homeloans.

On December 3, 2025, POTLATCH NO. 1 FINANCIAL reports a decline in mortgage rates for fixed-rate purchase loans. The 15-Year Fixed Purchase rate decreased by 12.5 basis points, now at 4.625%, marking the lowest rate available today and a notable drop of 36.5 basis points compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate fell by 12.5 basis points from last week to 5.25%, reflecting a modest reduction over the past month as well.

These shifts lower the overall cost of borrowing for members seeking home purchases, benefiting those prioritizing shorter loan terms or long-term stability. First-time buyers may find the reduced 15-year fixed rate advantageous for faster equity building, while others might consider the 30-year fixed option for manageable monthly payments amid declining yields.

Members should evaluate their mortgage strategy based on these trends; those with adjustable plans might reassess fixed-rate options to secure current favorable rates, and prospective borrowers could explore refinancing if potential savings surpass associated costs.

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

As of December 3, 2025, FHA fixed-rate mortgage products for home purchases remain steady. The FHA 15-Year Fixed is holding at 5.125%, unchanged from both one week and one month ago, reflecting stability in short-term borrowing costs. Meanwhile, the FHA 30-Year Fixed rate stands at 5.875%, also unchanged over the same periods but notably lower compared to rates recorded 30 and 60 days ago, indicating some easing in longer-term yield spreads.

For members considering long-term financing options, the consistent rates on both terms suggest predictable payment structures without recent volatility. First-time buyers may find the FHA 15-Year Fixed attractive for faster equity building at the current lowest rate offered today. Those evaluating their mortgage strategy should consider these stable fixed-rate options if they prioritize payment certainty amid broader market fluctuations.

Members are encouraged to assess refinancing feasibility where potential savings exceed associated costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

Mortgage rates have experienced a slight upward trend today. The 15-Year Fixed Rate Jumbo is at 6.250%, up by 1 basis point from yesterday, while the 30-Year Fixed Rate Jumbo has increased to 6.511%, reflecting a 7 basis point rise. Over the past week, the 30-Year Fixed Rate Jumbo has shown the most significant movement, with a total increase of 19 basis points. Borrowers may find that these rising rates could impact their overall cost of borrowing, making it essential to evaluate financing options carefully. With current rates higher than they were six months ago, potential homebuyers should assess their mortgage strategy in light of these changes.

As of December 3, 2025, inflation expectations remain stable, with the Breakeven Inflation Rate 10Yr at 2.240% and the 5Yr rate at 2.300%. Recent movements indicate significant shifts in mortgage rates; notably, the Mortgage 30Yr Average Rates dropped by 6.23 points over the past week, reflecting a broader decline of 6.34 points in the last two months. The lowest reported mortgage rate is for the 30Yr FHA, currently at 5.992%. These changes signal a favorable borrowing environment, though potential homeowners should closely monitor market trends and inflation signals to make informed decisions on their financing options.

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