December 13, 2025 | Lowest Adjustable ARM Rate Holds at 4.25% | Credit Union Insights

On December 13, 2025, the 7/6 ARM Adjustable Purchase mortgage remains steady at 4.75%, with no change over the past 7 or 30 days. This stable yield spread indicates a consistent cost of borrowing for members seeking adjustable-rate purchase loans. For first-time buyers, this rate stability provides predictable initial payments before potential adjustments after seven years. Veterans and those considering refinancing should note that while this product offers short-term rate advantages, evaluating fixed-rate options might better suit long-term budgeting needs. Given the unchanged rate environment, members may benefit from reviewing their mortgage strategy and assessing if an adjustable-rate aligns with their financial goals or if locking in fixed rates is preferable. Consider refinancing only if projected savings exceed transaction costs. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of December 13, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase remains steady at 4.25%, unchanged from one week ago but down by 11.3 basis points compared to 30 days prior. This subtle yield spread reduction slightly lowers the cost of borrowing for prospective homebuyers opting for adjustable rates, potentially enhancing affordability in a fluctuating rate environment. For members considering adjustable terms, this stability suggests limited short-term volatility; however, evaluating fixed-rate alternatives may be prudent for those prioritizing payment predictability. First-time buyers can benefit from locking in current ARM rates while monitoring market shifts, whereas veterans and refinancing applicants should weigh these dynamics against long-term financial goals. Given these trends, members should assess their mortgage strategy carefully and consider refinancing if potential savings exceed associated costs.

For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 13, 2025, the 10/1 ARM Adjustable Purchase mortgage remains at a rate of 6.0%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This yield spread reduction signals a moderate easing in borrowing costs for members opting for adjustable-rate financing. For first-time homebuyers or those planning shorter-term ownership, this stability in the 10/1 ARM offers predictable initial payments with potential savings versus fixed alternatives. However, borrowers should evaluate interest rate trends carefully given the inherent variability after the initial fixed period. Members considering refinancing should analyze their long-term cost implications relative to current adjustable rates and may find value in locking rates if seeking payment certainty. Consider your mortgage strategy in light of these movements to optimize financial outcomes.

For details, visit https://www.c1stcreditunion.com/personal/rates/#:~:text=Secondary%20Market%20Loans%20%2D%20Fixed%20Rate

As of December 13, 2025, the 30-year Adjustable Rate Mortgage (ARM) 5/6 Program for purchase loans in New Hampshire is priced at 6.25%, marking a 25 basis point increase over the past week and a 12.5 basis point rise compared to one month ago. This upward movement reflects a modest widening in yield spreads and increases the cost of borrowing for prospective buyers opting for this variable-rate product. Members considering this option should evaluate how these rate fluctuations impact monthly payments over time, especially given the adjustable nature after the initial fixed period. For those prioritizing payment stability, assessing fixed-rate alternatives may be prudent. First-time buyers and investors should monitor these changes closely to balance initial affordability against potential future rate adjustments. Consider your mortgage strategy carefully; refinancing remains an option if long-term savings justify associated costs. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

On December 13, 2025, VANTAGE reports stable mortgage rates for purchase loans with adjustable-rate mortgages (ARMs). The 7/1 ARM remains steady at 6.12%, unchanged from last week. Similarly, the 10/1 ARM holds at the lowest available rate of 5.875%, with no change over seven days, representing a favorable cost of borrowing for members seeking initial rate stability and potential long-term savings. The 15/15 ARM stands at 6.00%, reflecting a 12 basis point decrease compared to 30 days ago, which may benefit borrowers preferring periodic rate adjustments every 15 years. These consistent yields suggest limited immediate pressure on borrowing costs for adjustable products; however, members should consider their risk tolerance and loan horizon carefully. Evaluate refinancing strategies if current rates align with your financial goals and consider fixed options for greater predictability.

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

As of December 13, 2025, mortgage rates for 15-Year Fixed Rate Jumbo loans remain unchanged at 6.295%, while 30-Year Fixed Rate Jumbo loans also hold steady at 6.324%. Over the past week, the 15-Year Fixed Rate Jumbo has increased by 0.11 basis points, reflecting a slight uptick in borrowing costs. In contrast, the 30-Year Fixed Rate Jumbo shows no change from yesterday and a modest increase of 0.04 basis points over the last month. Borrowers should note these stable rates as they consider their financing options, particularly since the lowest rate remains competitive within this lending landscape.

As of December 13, 2025, inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-Year rate at 2.260% and the 5-Year rate at 2.320%, indicating stable inflation outlooks. These expectations influence mortgage rates, which are crucial for borrowers. The Mortgage 30Yr Average Rate stands at 6.220%, unchanged from yesterday, while the lowest mortgage rate is recorded at 5.540% for the 15-Year Average Rate. Notably, the largest decline in rates over the past week was observed in the Mortgage 30Yr Usda Average Rates, falling by 0.29 points, which may impact affordability for potential homebuyers. Borrowers should remain informed on these trends to make better financial decisions.

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