December 16, 2025 | VA Fixed Mortgage Rates Hold Steady at 5.00%

On December 16, 2025, the 30-Year VA Fixed Purchase mortgage remains steady at a 5.375% rate with 1.0 point, unchanged from both one week and one month ago. This stability in yield spreads reflects no increase in the cost of borrowing for veterans seeking to purchase homes under this government-backed program. For veteran buyers, this consistent rate environment supports predictable budgeting and long-term financial planning without added refinancing pressure. Given the absence of upward movement, members should evaluate fixed-rate options if they prioritize payment stability amid market fluctuations. Additionally, those considering a home purchase may benefit from locking in current rates to mitigate future volatility. Consider reviewing your mortgage strategy regularly to ensure alignment with evolving financial goals. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On December 16, 2025, Federal VA Loans for purchase showed slight upward shifts in fixed rates. The 15-year VA fixed loan rate remains the lowest at 5.25%, stable over the past week but up 12.5 basis points from 30 days ago, indicating a gradual increase in borrowing costs for veterans seeking shorter-term mortgages. Meanwhile, the 30-year VA fixed rate rose by 12.5 basis points over the last week to 5.75%, mirroring a similar 30-day increase; this impacts long-term affordability for veteran homebuyers prioritizing extended repayment terms.

Members should consider these rate trends carefully: those valuing payment stability may find the 15-year fixed VA loan cost-effective despite recent increases. Veterans evaluating purchase options might assess whether locking in current rates aligns with their financial goals given ongoing yield spread fluctuations. For refinancing considerations, reviewing cost-benefit analyses based on these rate movements is advisable.

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

As of December 16, 2025, fixed-rate VA loans for home purchase remain stable at 5.125% for the 15-year term and 5.625% for the 30-year term, showing no change in yield spreads compared to both one week and one month ago. This stability in rates indicates consistent borrowing costs for veterans seeking to finance a home purchase with government-backed support. The 15-year VA loan at 5.125% continues to offer the lowest rate among today’s options, potentially benefiting members prioritizing accelerated mortgage payoff and lower total interest expense. For those valuing payment predictability, fixed-rate products maintain clear cost expectations without recent volatility. Members should evaluate their mortgage strategy by considering fixed-rate options for long-term financial planning or assess refinancing if current rates align with their financial goals.

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

On December 16, 2025, the 30-Year Fixed Purchase mortgage rate remains steady at 5.25%, showing no change over the past week but a decrease of 12.5 basis points compared to 30 days ago. This modest decline in yield spreads reduces the overall cost of borrowing for homebuyers opting for long-term fixed-rate stability. For first-time buyers and those prioritizing predictable payments, maintaining this rate level supports clearer financial planning. Veterans and refinancing borrowers should note that while no government-backed programs are listed today, fixed conventional rates offer competitive terms amid stable market conditions. Members should consider fixed-rate options if they value payment consistency or evaluate refinancing strategies when potential savings outweigh associated costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On December 16, 2025, VA 15-year Fixed Purchase loans remain at a stable 5.125%, unchanged over the past week and month. This rate represents the lowest among today’s VA fixed options, maintaining a consistent cost of borrowing for veterans seeking shorter-term home financing. Meanwhile, the VA 30-year Fixed Purchase rate holds steady at 5.625%, with no change from seven or thirty days ago, reflecting stable yield spreads in longer-term VA mortgages.

For veterans prioritizing predictable payments and lower interest over a shorter term, the 15-year fixed option at 5.125% offers reduced total interest costs despite higher monthly payments. The unchanged rates suggest limited immediate incentive for refinancing but underscore the value of evaluating mortgage strategy based on individual financial goals.

Members should consider locking in fixed-rate products if they prioritize payment stability or assess refinancing only if potential savings clearly exceed associated costs. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of December 16, 2025, VA 15-Year Fixed Purchase loans maintain the lowest rate at 5.125%, unchanged over the past week and stable compared to one month ago. This consistency supports veterans seeking shorter-term financing with predictable payments. The VA 30-Year Fixed Purchase rate holds steady at 5.75%, reflecting no weekly change but a modest increase of 12.5 basis points versus 30 days prior, slightly raising the cost of borrowing for longer-term commitments.

For veterans evaluating mortgage options, the stable 15-year fixed rate offers a reliable path to accelerated equity building. Meanwhile, those considering a 30-year fixed should assess whether the incremental rate rise affects their long-term affordability goals. Members are advised to review their mortgage strategy in light of these steady yields; consider fixed-rate products if payment stability is a priority or evaluate refinancing only if potential savings outweigh closing costs.

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

As of December 16, 2025, VA Fixed 15-Year Purchase loans maintain the lowest rate at 5.25%, unchanged from both one week and one month ago. Similarly, the VA Fixed 30-Year Purchase rate holds steady at 5.875%, reflecting no movement over the past seven and thirty days. The stability in these rates indicates consistent yield spreads for veterans seeking purchase financing, with no immediate increase in borrowing costs. For veterans prioritizing shorter-term repayment and lower interest expense, the 15-year VA fixed remains a cost-effective choice. Meanwhile, those requiring longer terms can expect predictable payments without recent rate volatility on the 30-year VA fixed program. Members should evaluate their mortgage strategy based on current stable conditions; consider fixed-rate options if you value payment certainty or review refinancing opportunities only if potential savings outweigh transaction costs. For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

As of December 16, 2025, Navy Federal Credit Union reports stable mortgage rates for key purchase programs. The 15-year fixed VA loan remains at a competitive 5.00% with 0.25 points, unchanged over the past week and month, representing the lowest rate available today. Meanwhile, the Military Choice 30-year fixed purchase loan increased by 12.5 basis points to 6.50% with 0.5 points compared to one week ago and similarly rose versus 30 days prior.

For veterans seeking shorter-term financing, the steady VA 15-year fixed rate supports predictable cost of borrowing without recent yield spread volatility. Conversely, members considering longer-term stability under the Military Choice 30-year fixed should evaluate how this modest rate increase affects total interest expense over time.

Given these dynamics, members may benefit from prioritizing fixed-rate options that align with their financial horizon. Those with existing mortgages might consider refinancing if potential savings exceed transaction costs.

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

As of December 16, 2025, 15-Year Fixed Purchase loans remain at a competitive 4.625%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This slight decrease in yield spreads reduces the overall cost of borrowing for buyers prioritizing shorter-term stability and faster equity build-up. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 5.25%, showing no change over both the past week and month, maintaining consistent long-term borrowing costs.

For members weighing loan terms, those valuing predictability may find the 15-Year Fixed advantageous due to its recent modest rate improvement. Conversely, buyers seeking lower monthly payments might consider the stable 30-Year Fixed despite its higher rate. Evaluating mortgage strategies with current rates can inform decisions on purchase timing or refinancing, particularly if potential savings justify transaction costs.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of December 16, 2025, VA 15-Year Fixed Purchase and VA 30-Year Fixed Purchase mortgage rates remain steady at 5.00% and 5.75%, respectively. There has been no change in yield spreads compared to one week and one month ago, indicating stable borrowing costs for veterans seeking fixed-rate financing. The VA 15-Year Fixed option offers the lowest rate among today's VA purchase products, benefiting members prioritizing shorter loan terms and reduced interest expense over time. For those considering longer-term commitments, the VA 30-Year Fixed Purchase holds steady with consistent points at 0.375, maintaining predictability in monthly payments. Members should assess their mortgage strategies carefully; locking in fixed rates may provide stability amid broader market fluctuations. Veterans purchasing homes can evaluate these options to align with their financial goals.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of December 16, 2025, mortgage rates are mixed for 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans. The 15-Year Fixed Rate Jumbo stands at 6.170%, unchanged from yesterday but down 0.09% over the past week. In contrast, the 30-Year Fixed Rate Jumbo is at 6.251%, down by 0.01% in a single day and decreased by 0.11% over the last week. Borrowers should note that while short-term fluctuations show slight declines, the overall trend indicates increased borrowing costs compared to earlier periods. Monitoring these changes can help borrowers make informed decisions regarding their mortgage options.

As of December 16, 2025, breakeven inflation rates for 10-year and 5-year periods stand at 2.250% and 2.290%, respectively, indicating stable inflation expectations. However, significant declines in Mortgage 30-Year Jumbo Average Rates have occurred, with a 1-day change of -6.48 points and a 30-day change of -6.67 points, impacting borrowing costs. The lowest mortgage rate recorded is 5.783% for the 30-Year USDA Average Rates. These fluctuations in rates reflect changing yield curve signals that could influence borrower behavior and overall housing market dynamics. Borrowers should consider these trends when evaluating financing options as they navigate current economic conditions.

Sometimes, the spark for a new home comes from an open house sign on a weekend drive or a conversation with a friend about their latest move. At LendMesh, we love seeing those sparks turn into plans and, ultimately, proud homeowners. Our mission is to connect you with top banks and trusted credit unions, so you get the best rates and honest answers, no matter your stage in the process. Whether you’re mapping out your dream neighborhood or just starting to explore mortgage rates, we’re here to help with guidance you can trust. Want to see your options? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh believes your homebuying adventure should feel exciting—and totally possible.