December 11, 2025 | Lowest Jumbo Fixed Rate at 4.625% | Stable Credit Union Offer

As of December 11, 2025, Jumbo 15 Year Fixed Purchase loans are priced at 5.75% with 0.25 points, reflecting a 12.5 basis point increase over the past week and month. Similarly, the Jumbo 30 Year Fixed Purchase rate stands at 6.375% with 0.25 points, marking a sharper rise of 25 basis points in both periods. These upward shifts indicate higher borrowing costs for members seeking jumbo loans, particularly impacting buyers prioritizing long-term financing flexibility or shorter payoff terms. First-time buyers and those evaluating mortgage strategies should weigh the trade-offs between stability and cost; considering fixed-rate options remains prudent amid rising yields. Members assessing refinancing should calculate potential savings carefully, especially where incremental rate increases may offset benefits. For details, visit https://www.apgfcu.com/rates/mortgage-rates.html.

On December 11, 2025, 15 Year , Jumbo Fixed Purchase rates increased notably to 5.24%, up 36.5 basis points from last week and 11.5 basis points over the past 30 days. This marks a significant rise in borrowing costs for high-value homebuyers seeking shorter-term jumbo loans. Meanwhile, the 30 Year , Jumbo Fixed Purchase rate edged higher to 5.875%, reflecting a modest 12.5 basis point increase week-over-week but no change over 30 days, indicating relative stability in longer-term jumbo financing.

For members considering jumbo purchases, these shifts suggest increased yield spreads impacting monthly payments, especially on shorter terms. First-time buyers or those prioritizing budget predictability might assess fixed-rate options carefully. Given the rising cost environment, evaluating mortgage strategies and refinancing feasibility could optimize long-term affordability.

For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of December 11, 2025, 15-Year Fixed Purchase and 30-Year Fixed Purchase mortgage rates at CERTIFIED remain steady at 5.125% and 5.875%, respectively. Both rates show no change from one week or one month ago, reflecting stable yield spreads in the fixed-rate mortgage market. The 15-Year Fixed Purchase loan, offering the lowest rate today, presents a lower cost of borrowing for buyers prioritizing shorter terms and faster equity buildup. Conversely, the 30-Year Fixed Purchase loan maintains consistent affordability for those seeking longer-term payment stability.

Members should consider these steady conditions when evaluating home financing options; locking in a fixed rate can provide predictable payments amid fluctuating economic factors. For those weighing refinancing or purchasing decisions, focus on how these unchanged rates align with your long-term financial strategy.

For details, visit https://www.certifiedfed.com/rates-2/#real_estate.

As of December 11, 2025, Jumbo 15-year fixed purchase loans are priced at 5.125%, marking a 12.5 basis points increase compared to last week and a similar rise over the past 30 days. Meanwhile, the Jumbo 30-year fixed purchase rate stands at 6.125%, up by 25 basis points week-over-week but unchanged from 30 days ago. These upward shifts in rates indicate a higher cost of borrowing for jumbo loan borrowers, which may impact those seeking shorter-term stability or long-term financing options. Members considering large loan amounts should weigh the benefits of locking in current fixed rates against potential further increases. For those prioritizing predictable payments, evaluating fixed-rate products remains prudent; meanwhile, monitoring market trends is advisable before pursuing refinancing strategies. Consider refinancing if projected savings exceed associated costs. For details, visit https://www.columbiacu.org/home-loans/.

On December 11, 2025, 30-year Fixed Jumbo Mortgages for purchase remain steady at a 4.875% rate with 0.0 points, unchanged over the past week and month. This stability in jumbo loan yields means borrowing costs have held firm after recent volatility. For high-balance buyers, this consistent rate environment supports predictable payment planning without yield spread shifts increasing costs. Veterans and first-time buyers focusing on jumbo loans can assess affordability without concern for near-term rate spikes. Given no movement in rates or points, members should consider fixed-rate jumbo options if prioritizing payment stability. Additionally, those evaluating financing strategies may want to monitor market trends before locking in, as current rates reflect a plateau following earlier declines. For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

On December 11, 2025, 15-Year Fixed Jumbo Purchase rates hold steady at 4.625%, matching last week’s yield and marking a 25 basis point decrease from 30 days ago. This reduction lowers borrowing costs for high-balance homebuyers seeking shorter-term stability. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains unchanged at 5.875%, maintaining consistent long-term yield spreads over the past month. For members prioritizing predictability, the stable 15-year jumbo option offers a competitive fixed rate with modest points (0.875), while the 30-year jumbo preserves affordability in monthly payments despite higher absolute rates. Given these dynamics, borrowers should consider fixed-rate options to lock in current yields or evaluate refinancing if it reduces overall interest expense relative to closing costs. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of December 11, 2025, Navy Federal Credit Union reports modest upward shifts in select jumbo mortgage rates. The Conventional 15 Year Jumbo fixed-rate purchase loan rose by 12.5 basis points, now at 5.625%, marking a steady increase over the past month. This rise slightly elevates the cost of borrowing for members seeking shorter-term stability in higher loan amounts. Meanwhile, the Homebuyers Choice 30 Year Jumbo fixed-rate purchase program increased by 12.5 basis points compared to last week, holding steady month-over-month at 6.875%. Longer-term borrowers should weigh the impact of yield spreads on total interest paid over time.

Members considering jumbo loans should assess their financial strategy carefully; those valuing predictability may find fixed rates advantageous despite recent upticks. Evaluating refinancing options remains prudent when rate differentials surpass transaction costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

On December 11, 2025, 30-Year Jumbo Fixed-Rate Purchase loans remain at 5.625%, holding steady over the past week but down 25 basis points from 30 days ago. Similarly, 15-Year Jumbo Fixed-Rate Purchase loans maintain a rate of 5.625%, unchanged weekly and decreased by 12.5 basis points compared to one month prior. These stable yields indicate a modest easing in long-term jumbo mortgage costs, benefiting borrowers seeking larger loan amounts with fixed terms. Members considering new home purchases may find value in locking fixed rates now to secure predictable payments amid recent volatility. Evaluate your mortgage strategy carefully; if you prioritize payment stability, fixed-rate jumbo options continue to offer competitive terms. For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

Mortgage rates have shown a mixed trend today, December 11, 2025. The 15-Year Fixed Rate Jumbo has increased to 6.256%, up by 6 basis points from yesterday, while the 30-Year Fixed Rate Jumbo rose to 6.417%, marking a 12 basis point increase. Over the past week, both loan types have seen upward movement, with the 30-Year Fixed Rate Jumbo experiencing the most significant rise of 19 basis points. In contrast, the 15-Year Fixed Rate Jumbo is down 12 basis points over the last month. Borrowers should consider these fluctuations in rates as they assess their mortgage options; staying informed on rate changes can lead to more favorable borrowing decisions.

Recent trends in inflation expectations, as reflected by the Breakeven Inflation Rate, indicate stability, with the 10-year rate at 2.250% and the 5-year rate at 2.320%. However, mortgage rates have shown significant fluctuations; notably, the Mortgage 30Yr Average Rates dropped by 6.19 points over the past week, signaling a potential easing in borrowing costs for homebuyers. The lowest mortgage rate currently is found in the 30-Year FHA Average Rates at 6.025%. As inflationary pressures affect economic conditions, borrowers should remain vigilant about these shifts in rates to make informed decisions regarding financing options.

Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.