December 10, 2025 | Lowest FHA Fixed Rate Holds at 4.625% | Stable Purchase Mortgage Today

As of December 10, 2025, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. This modest decline in yield spreads signals a slight easing in the cost of borrowing for members seeking government-backed financing with fixed terms. First-time homebuyers reliant on FHA loans may find this stability advantageous amid fluctuating market conditions, while those weighing purchase timing can benefit from predictable monthly payments without exposure to rate volatility. Members should consider their long-term financial plans; evaluating fixed-rate options may provide budget certainty, especially if locking in current rates offers savings over potential future increases. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On December 10, 2025, the 15-Year Fixed Purchase mortgage rate stands at 5.125% with 1.0 point, marking a modest increase of 12.5 basis points compared to one week ago. This rise slightly elevates the cost of borrowing for members seeking fixed-rate home purchases over the mid-term horizon. Compared to 30 days prior, the rate is down by 12.5 basis points, reflecting some easing in yield spreads over the past month. For first-time buyers and those prioritizing payment stability, this rate environment suggests evaluating fixed-rate options carefully against market trends. Members weighing purchase timing should consider how incremental rate shifts affect overall affordability and long-term financial planning. Given these dynamics, it is advisable to review your mortgage strategy regularly and consider refinancing if potential savings exceed associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On December 10, 2025, FHA 15-Year Fixed Purchase mortgage rates increased by 12.5 basis points to 5.125%, matching the rate from 15 and 30 days ago. Meanwhile, the FHA 30-Year Fixed Purchase rate rose by 12.5 basis points week-over-week to 5.75%, also up by the same margin compared to 30 days prior. These shifts indicate a modest rise in borrowing costs for fixed FHA loans, impacting first-time buyers who often rely on these government-backed programs. The slight increase in yield spreads suggests that borrowers should carefully evaluate fixed-rate options if they prioritize payment stability over potential short-term savings. For members considering purchase financing, weighing current rates against long-term affordability is essential; those with variable income may benefit from the predictability of fixed terms despite incremental cost increases. Consider refinancing only if projected savings outweigh transaction costs.

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

As of December 10, 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 yield spreads and borrowing costs for members pursuing government-backed financing. First-time buyers leveraging FHA loans benefit from predictable payment structures amid a stable interest rate environment. While refinancing options are not reflected today, those holding existing FHA loans may find current rates align closely with recent trends, suggesting limited incentive to refinance solely based on rate movement. Members should consider fixed-rate FHA mortgages if they prioritize long-term cost certainty and evaluate their mortgage strategy against personal financial goals and market conditions. For details, visit https://fccu.org/rates/home-loan-rates.

On December 10, 2025, 15 Year Fixed FHA Mortgage rates remain steady at a competitive 5.0%, holding unchanged over the past week and month. This rate represents the lowest available option today, offering stable borrowing costs for first-time homebuyers seeking shorter-term financing with predictable payments. Conversely, the 30 Year Fixed FHA Mortgage experienced a slight increase of 12.5 basis points, rising to 5.375% from last week, while holding steady compared to 30 days ago. This uptick marginally raises long-term borrowing costs for those prioritizing extended amortization periods.

Members evaluating purchase options should weigh the benefits of locking in today's lowest 15-year fixed FHA rate if they prefer accelerated equity buildup and lower total interest. Meanwhile, prospective buyers considering the 30-year term should monitor yield spreads for further movement. In all cases, carefully assess mortgage strategies aligned with your financial horizon and refinancing potential.

For details, visit https://www.gwcu.org/rates/homeloans.

As of December 10, 2025, the FHA 30-Year Fixed Purchase mortgage rate remains steady at 5.375%, showing no change over the past week or month. This stability in yield spreads maintains borrowing costs for first-time homebuyers relying on government-backed loans. With rates unchanged from 30 days ago, members considering a fixed-rate FHA purchase loan can expect consistent monthly payments without exposure to rate volatility.

For borrowers prioritizing payment predictability, maintaining a fixed-rate mortgage at this level supports long-term financial planning. Members evaluating entry into homeownership or assessing refinancing options should consider if current rates align with their financial goals and market conditions.

Given the stable rate environment, it is prudent to review your mortgage strategy and consider fixed-rate options if you value cost certainty over time. For details, visit https://www.pacificservice.org/rates#tab4.

As of December 10, 2025, 15-Year Fixed Purchase mortgage rates increased by 12.5 basis points to 4.625%, reflecting a modest rise compared to last week but remaining 25 basis points lower than 30 days ago. This slight uptick may affect borrowers seeking shorter-term loans, increasing the overall cost of borrowing for those prioritizing faster equity building. Meanwhile, the 30-Year Fixed Purchase rate rose by 12.5 basis points from last week, now at 5.375%, maintaining a consistent yield spread over the 15-year option and marking a slight increase versus one month prior. Longer-term borrowers should evaluate the impact of these changes on monthly payments and total interest costs.

Members considering home purchases should weigh fixed-rate options for payment stability amid recent rate shifts. Those contemplating refinancing may find opportunities if their current rates exceed today's levels by a meaningful margin. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

On December 10, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.125%, unchanged over the past 7 and 30 days, reflecting stability in short-term borrowing costs for members seeking quicker payoff schedules. The FHA 30-Year Fixed Purchase rate remains steady at 5.875%, showing no movement week-over-week or month-over-month, which maintains consistent yield spreads for long-term homebuyers prioritizing lower monthly payments. These stable rates suggest minimal immediate cost fluctuations for first-time buyers using FHA financing. Members should assess whether a shorter term aligns with their financial goals or if the longer term’s steady rate better suits cash flow needs. Considering these fixed-rate options can support budgeting certainty; evaluate your mortgage strategy carefully to manage long-term affordability effectively. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of December 10, 2025, mortgage rates have shown a downward trend for the 15-Year Fixed Rate Jumbo, which is now at 5.750%, a decrease of 0.51 basis points from yesterday and 0.38 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo has increased to 6.500%, rising by 0.14 basis points from the previous day. Borrowers considering a 15-Year Fixed Rate Jumbo may benefit from lower costs of borrowing due to the recent decline, while those looking at the 30-Year option should be mindful of rising rates impacting their long-term financial commitments. Overall, market conditions suggest caution as trends evolve.

As of December 10, 2025, inflation expectations, indicated by the Breakeven Inflation Rates, show stability with the 10-Year rate at 2.260 and the 5-Year rate at 2.320. These rates are crucial as they influence mortgage rates, which remain notably high; for example, the Mortgage 30Yr FHA Average Rate is recorded at 6.072. Over the past week, this rate has increased by 0.09 points, while it has decreased by 6.30 points over the past 60 days, indicating a fluctuating borrowing environment. Borrowers should be mindful of these trends when considering loan options, especially given that the lowest mortgage rate noted is the 15-Year Average Rate, which stands at zero currently.

For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.