December 9, 2025 | VA Fixed Mortgage Rate Steady at 5.00% | Consistent Options for Veterans

As of December 9, 2025, the Federal VA Loans 15-year fixed purchase rate rose by 12.5 basis points to 5.25%, reflecting a modest increase in the cost of borrowing for shorter-term veteran homebuyers. In contrast, the 30-year fixed Federal VA purchase loan held steady at 5.625%, showing no change over the past week and maintaining its position as the higher-yielding option.

For veterans seeking long-term stability, the unchanged 30-year VA fixed rate suggests predictable payment structures remain available. Meanwhile, those considering shorter-term financing should account for recent upward pressure on yields affecting 15-year products. Evaluating these shifts can inform decisions on whether to lock in current rates or explore refinancing alternatives.

Members should consider fixed-rate loans if prioritizing payment certainty; reviewing refinancing options may also help manage overall borrowing costs in light of recent rate movements. For details, visit https://www.capitalcu.com/mortgage-rates.

As of December 9, 2025, mortgage rates for 15-year VA Loans and 30-year VA Loans remain steady at 5.125% and 5.625%, respectively. There has been no change in yield spreads over the past week or month, indicating stable cost of borrowing for veterans pursuing fixed-rate purchase loans. These consistent rates provide predictability for first-time buyers and those leveraging VA benefits, supporting clear budgeting without fluctuations in monthly payments. With no recent movement in rates, members should consider their long-term financing goals; fixed-rate VA loans continue to offer reliable terms amid market stability. Evaluate your mortgage strategy carefully to determine if current rates align with your financial plans or if refinancing could reduce overall expenses.

For details, visit https://www.cu1.org/rates#real-estate-rates.

As of December 9, 2025, 15-year fixed purchase mortgages remain at 4.99% with 2.0 points, holding steady over the past week but down by 26 basis points compared to 30 days ago. This rate represents the lowest borrowing cost among today's options, benefiting members seeking shorter-term stability and lower total interest expense. Meanwhile, the 30-year fixed purchase mortgage rate is unchanged at 5.25% with 1.875 points, maintaining a consistent yield spread over the 15-year term.

For members prioritizing long-term payment predictability, these fixed rates provide clear cost frameworks amid recent market fluctuations. Given the downward trend on the 15-year fixed, borrowers should evaluate if accelerated amortization aligns with their financial goals. Consider assessing refinancing opportunities when potential savings outweigh associated costs.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On December 9, 2025, VA 15-year Fixed Purchase loans maintain a steady rate at 5.125%, unchanged over the past week and month. Similarly, the VA 30-year Fixed Purchase rate holds firm at 5.625%, showing no movement in the same periods. These stable yields suggest consistent borrowing costs for veterans and eligible buyers seeking fixed-rate options. For those prioritizing lower monthly payments and long-term budgeting certainty, these rates underscore the value of fixed terms amid market steadiness. Given the absence of rate volatility, members should evaluate fixed-rate VA loans as a reliable choice for purchase financing. Consider your financial goals and loan term preferences when assessing your mortgage strategy to optimize cost efficiency over time. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On December 9, 2025, VA 15-Year Fixed Purchase rates increased by 12.5 basis points to 5.125%, reflecting a modest rise compared to one week and one month ago. This uptick raises the cost of borrowing slightly for veterans seeking shorter-term fixed-rate loans, potentially impacting monthly payment affordability. Meanwhile, the VA 30-Year Fixed Purchase rate remained stable at 5.625%, showing no change over both seven and thirty days; this steadiness benefits members prioritizing long-term payment predictability.

First-time buyers and veterans should carefully assess the impact of the recent rise in 15-year VA fixed rates on their repayment plans, while those considering longer terms may find stability in the 30-year option. Given current yield spreads, members valuing payment consistency might consider fixed-rate products, whereas those evaluating refinancing should calculate whether potential savings outweigh associated costs.

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

As of December 9, 2025, VA 15-Year Fixed Purchase loans remain at a stable 5.25%, showing no change over the past week or month. Similarly, the VA 30-Year Fixed Purchase rate holds steady at 5.875%, unchanged from both 7 and 30 days ago. These consistent rates indicate minimal volatility in government-backed VA loan yields, maintaining predictable borrowing costs for veterans and eligible buyers.

For veterans considering home purchases, the stability in these VA fixed-rate programs supports reliable mortgage planning without unexpected shifts in interest expenses. First-time buyers using VA benefits can expect steady yield spreads, while those assessing refinancing options should note that rates have not improved to offer cost reductions since last month.

Members prioritizing rate certainty may find the VA 15-Year Fixed Purchase at 5.25% advantageous due to its lower term and competitive rate. Evaluate your mortgage strategy accordingly; consider fixed-rate loans if you value payment stability, or monitor market changes before initiating refinancing.

For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

On December 9, 2025, Navy Federal Credit Union's mortgage rates show stability and slight shifts across key loan products. The 15-year Fixed VA loan remains at a competitive 5.0%, unchanged over the past week and month, maintaining its position as the lowest rate available. This consistency benefits veterans seeking predictable payments and lower interest costs over a shorter term.

Meanwhile, the 30-year Fixed Military Choice loan increased by 12.5 basis points to 6.375% compared to last week, reflecting a modest rise in borrowing costs for longer-term financing. This may impact military members prioritizing extended payment terms, urging careful evaluation of long-term affordability.

Members should weigh these movements when considering purchase options; fixed-rate products offer payment stability, while recent rate increases highlight the importance of timely refinancing assessments. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of December 9, 2025, POTLATCH NO. 1 FINANCIAL reports a modest uptick in fixed mortgage rates. The 15-Year Fixed Purchase rate stands at 4.875%, increasing by 12.5 basis points compared to last week and month, reflecting a slight rise in the cost of borrowing for shorter-term fixed loans. Meanwhile, the 30-Year Fixed Purchase rate is now 5.375%, also up by 12.5 basis points over the same periods, indicating higher long-term yield spreads that could impact affordability for buyers seeking extended repayment terms.

For members prioritizing payment stability, the incremental increases suggest reviewing fixed-rate options carefully. First-time buyers should assess how these changes affect monthly budgets, while those considering refinancing might evaluate if potential savings justify current market conditions.

Consider your mortgage strategy with attention to current yield trends; refinancing may be beneficial if projected savings exceed associated costs. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of December 9, 2025, VA 15-Year Fixed Purchase loans remain at a stable rate of 5.00%, unchanged over the past week and month. This rate, featuring the lowest yield at 5.00% with minimal points (0.125), supports veterans and eligible buyers seeking shorter-term fixed financing without increased borrowing costs. Meanwhile, the VA 30-Year Fixed Purchase rate holds steady at 5.75%, also unchanged over seven and thirty days, reflecting consistent long-term cost expectations for those prioritizing payment stability.

The absence of rate movement indicates a period of yield stability; borrowers should assess their financial plans accordingly. For first-time buyers and veterans, locking in current fixed rates may provide predictable budgeting advantages. Considering refinancing remains advisable if potential savings outweigh associated fees.

Evaluate your mortgage strategy with a focus on fixed-rate options to manage interest rate risk effectively. For details, visit https://www.wecu.com/homeloans/purchase/.

Mortgage rates have shown a slight downward trend today, with the 15-Year Fixed Rate Jumbo at 6.172%, down 0.03 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains stable at 6.355%. Over the past week, the 30-Year Fixed Rate Jumbo decreased by 0.08 basis points, reflecting a modest shift in borrowing costs. In contrast, both products have seen increases over the last month, with the 30-Year Fixed Rate Jumbo rising by 0.11 basis points. Borrowers should consider these movements when evaluating loan options; current rates suggest a marginally favorable environment for securing financing.

Current inflation expectations, as reflected in the Breakeven Inflation Rates for 5 and 10 years, are stable at 2.320% and 2.260% respectively. However, significant shifts in mortgage rates have occurred recently; notably, the Mortgage 30Yr Jumbo Average Rates dropped by 6.45 points over the past day, marking a substantial decline across all observed periods. The lowest mortgage rate reported is for the 15-Year Mortgage Average, currently at 0.000%, indicating potential opportunities for borrowers if rates stabilize or decrease further. These changes underscore the importance of monitoring yield curve signals and inflation trends to gauge borrowing costs effectively, guiding potential home financing decisions based on current market conditions.

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