December 6, 2025 | Lowest Adjustable ARM Rate Falls to 4.25% Today

As of December 6, 2025, the 7/6 Adjustable Rate Mortgage (ARM) for new purchases remains steady at a 30-year term rate of 4.75% with zero points, unchanged from both one week and one month ago. This stability in yield spreads indicates no recent volatility in the cost of borrowing for this adjustable product. For prospective buyers, especially those anticipating short- to medium-term homeownership, maintaining a consistent rate environment supports predictable initial payments before adjustment periods begin. Veterans and first-time buyers should evaluate whether the ARM structure aligns with their financial horizon, given fixed-rate alternatives may offer more certainty. Members considering refinancing might find limited immediate benefit from ARM adjustments but should monitor market movements closely. In summary, consider your mortgage strategy carefully; if you prioritize payment stability over potential rate shifts, fixed-rate options warrant evaluation.

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

On December 6, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase loans at Coast Central stand at a rate of 4.25%, marking a decrease of 11.3 basis points compared to one week ago and similarly down versus 30 days prior. This reduction in yield spreads lowers the overall cost of borrowing for members considering adjustable-rate purchase mortgages. For first-time buyers or those seeking flexibility in initial payments, the decline in rates may improve affordability in the short term. However, borrowers should weigh the potential variability of ARMs against their long-term financial plans. Evaluating fixed-rate alternatives might benefit members prioritizing payment stability amid fluctuating market conditions. Members are encouraged to assess their mortgage strategy carefully and consider refinancing only if projected savings outweigh associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

On December 6, 2025, Adjustable-Rate Mortgages (ARMs) for purchase show a consistent uptick in yield spreads. The 5/1 ARM offers the lowest rate at 4.5%, up by 12.5 basis points from last week. Similarly, the 7/1 ARM and 10/1 ARM increased by 12.5 basis points to 4.75% and 5.0%, respectively. The longer-term 15/15 ARM now stands at 5.25%, reflecting the same weekly rise.

These incremental increases in cost of borrowing affect borrowers differently: first-time buyers may see higher initial payments; investors and those valuing rate stability should assess if these ARMs align with their risk tolerance. Given rising ARM rates, members should consider fixed-rate alternatives if prioritizing payment predictability or evaluate refinancing options when long-term savings justify upfront costs.

For details, visit https://esfcu.mortgagewebcenter.com/responsive/#/ApplyNow.

As of December 6, 2025, Conforming Adjustable-Rate Mortgages (ARMs) for purchases show stability in yields. The 5/5 ARM and 7/6 ARM programs hold at 5.125%, representing the lowest rates among today’s options with no change over the past week but a decrease of 12.5 basis points compared to 30 days ago. Similarly, the 15/15 ARM at 5.25% and the 10/6 ARM at 5.375% remain unchanged week-over-week yet reflect a reduction of 12.5 basis points month-over-month.

These shifts signal marginally lower borrowing costs for buyers opting for adjustable terms, benefiting those seeking flexibility without immediate fixed-rate premiums. For members prioritizing rate predictability, reviewing fixed alternatives remains prudent given current market trends.

Given the modest declines over the past month, members should evaluate their mortgage strategy carefully; consider refinancing if potential savings exceed transaction expenses or assess adjustable-rate options to optimize long-term costs.

For details, visit https://www.sdfcu.org/rates#mortgages-block.

On December 6, 2025, adjustable-rate mortgage (ARM) products for purchases remain steady across key programs. The 7/1 ARM holds at 6.12%, unchanged over the past week, maintaining borrowing costs for those seeking medium-term rate adjustments. The 10/1 ARM also stays firm at 5.875%, representing the lowest rate among today’s adjustable options, offering favorable initial yields for borrowers prioritizing longer fixed periods before adjustment. Meanwhile, the 15/15 ARM remains at 6.0%, showing a 12 basis point decrease compared to 30 days ago, indicating slight easing in yield spreads for this hybrid product.

These stable rates suggest that first-time buyers and those structuring their financing with rate resets should monitor market trends closely. Borrowers valuing predictability may consider fixed alternatives elsewhere, while those comfortable with periodic adjustments might find cost efficiencies in current ARMs. Evaluate your mortgage strategy accordingly; refinancing may be beneficial if potential savings outweigh associated costs.

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

As of December 6, 2025, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo remains steady at 6.187%, unchanged from yesterday but down 12 basis points compared to a week ago. In contrast, the 30-Year Fixed Rate Jumbo also holds at 6.326%, with no change from one day prior but reflecting a slight increase of 7 basis points over the past month. Borrowers should note that while short-term stability exists in these fixed-rate products, the fluctuations in recent weeks indicate potential variability in borrowing costs. Keeping an eye on these trends is advisable for those considering their mortgage options.

Current inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-year rate at 2.260% and the 5-year rate at 2.340%. These figures suggest moderate inflation outlooks, which can influence mortgage rates and overall borrowing costs. The largest 7-day change was seen in the Mortgage 30Yr Jumbo Average Rates, which decreased by 0.08 points, while the largest 30-day decline also occurred in this category, falling by 0.15 points. Notably, the lowest mortgage rate is for the 30Yr USDA Average Rates at 5.976%. Borrowers should consider these trends when evaluating their financing options, as lower rates may enhance affordability in the current economic environment.

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