December 17, 2025 | Lowest Fixed Purchase Rate at 4.625% | Credit Union Advantage

As of December 17, 2025, the 30-year Fixed First-Time Homebuyer Mortgage rate stands at 5.365%, marking a significant decline of 38.5 basis points compared to one week ago and the past 30 days. This reduction in yield spreads lowers the overall cost of borrowing for first-time buyers, potentially improving affordability in today’s housing market. Members considering new purchases can benefit from these improved rates when locking in long-term financing stability. Given the current trend, those weighing their mortgage strategy should consider fixed-rate options if they prioritize predictable monthly payments. Additionally, evaluating refinancing opportunities remains prudent if projected savings surpass associated costs. For details, visit https://www.1stadvantage.org/personal/home-loans-equity/buy-your-new-home/fixed-rate-mortgages/#rates.

As of December 17, 2025, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, showing no change over the past week or month. This stability in rates indicates a consistent cost of borrowing for first-time buyers and those seeking government-backed loans, helping maintain predictable monthly payments. The absence of recent yield spread fluctuations suggests limited immediate impact on borrowing costs for FHA borrowers. Members evaluating home purchases can consider this fixed-rate option for long-term budgeting certainty. Given the unchanged rate environment, it is advisable to review your mortgage strategy regularly and consider fixed-rate products if you prioritize payment stability over variable exposure. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On December 17, 2025, the 15-Year Fixed Purchase mortgage rate stands at 5.0% with 1.0 point, marking a decrease of 12.5 basis points compared to one week ago and the same decline over the past 30 days. This reduction in yield spread slightly lowers the cost of borrowing for homebuyers locking in this term, enhancing affordability for those seeking shorter-term fixed-rate loans. First-time buyers may find improved purchasing power, while existing homeowners contemplating refinancing should weigh potential savings against upfront points. Given recent trends, members valuing payment stability should consider fixed-rate options and assess if refinancing could reduce long-term costs effectively. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On December 17, 2025, FHA 15-Year Fixed Purchase mortgage rates remain steady at 5.125%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. This slight decline reduces the overall cost of borrowing for borrowers seeking shorter-term FHA loans, benefiting those aiming to pay off their mortgage faster with more predictable payments. The FHA 30-Year Fixed Purchase rate holds at 5.75%, stable both week-over-week and month-over-month, maintaining consistent yield spreads for long-term homebuyers prioritizing fixed payments.

For members evaluating financing strategies, the lower 15-year FHA rate may present opportunities to reduce interest expenses over time, while the unchanged 30-year rate suggests limited immediate savings through refinancing in that category. Consider your mortgage term preference and long-term financial goals when assessing these options.

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

As of December 17, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged over the past week and month. This stability in rates means the cost of borrowing for first-time buyers using FHA financing has not increased recently, maintaining consistent yield spreads in a relatively stable market environment. Veterans and other potential borrowers should note that while no recent reductions have occurred, current rates remain aligned with levels seen since early November.

For members prioritizing payment predictability, this fixed-rate option offers clarity amid broader market fluctuations. Given no rate movement, those considering home purchases or refinancing under FHA terms may benefit from evaluating fixed-rate strategies to lock in current yields and assess long-term affordability.

Consider reviewing your mortgage plan if a fixed-rate aligns with your financial goals; small changes in rates can significantly impact total borrowing costs over time. For details, visit https://fccu.org/rates/home-loan-rates.

On December 17, 2025, 15 Year Fixed FHA Mortgage rates held steady at 5.25%, matching last week’s yield but up 25 basis points from 30 days ago. This stability benefits borrowers prioritizing shorter terms and predictable payments, such as first-time buyers seeking to limit interest costs over time. Meanwhile, the 30 Year Fixed FHA Mortgage rate decreased by 11.5 basis points to 5.375%, maintaining the lowest cost in this segment compared to recent weeks. This decline slightly improves affordability for long-term homebuyers balancing monthly payments with upfront borrowing costs.

Members evaluating financing strategies should consider fixed-rate options for payment consistency or assess refinancing if current rates offer meaningful reductions relative to their loan age. Understanding these nuanced rate shifts can guide prudent mortgage decisions amid evolving market conditions.

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

On December 17, 2025, 15-year FHA Purchase loans offer the lowest rates at 5.0%, down 12.5 basis points from one week ago and also from 30 days prior. Similarly, the 30-year FHA Purchase fixed rate stands at 5.25%, reflecting a comparable decline of 12.5 basis points over the last seven and thirty days. These reductions in yield spreads slightly lower the cost of borrowing for members seeking government-backed purchase options. First-time buyers and those utilizing FHA programs may find improved affordability with these stable rate adjustments. Members should assess their mortgage strategy carefully; considering fixed-rate FHA loans can provide predictable payments amid market fluctuations. For those evaluating long-term financing, these trends suggest a window to review refinancing opportunities if potential savings exceed associated costs. For details, visit https://www.macu.com/rates/home.

On December 17, 2025, POTLATCH NO. 1 FINANCIAL reports a slight decrease in the cost of borrowing for the 15-Year Fixed Purchase mortgage, with rates dropping by 12.5 basis points to 4.625%, marking the lowest rate among today’s offerings. This decline improves affordability for borrowers seeking shorter-term fixed-rate loans, potentially benefiting homeowners aiming to reduce interest expenses over time. Conversely, the 30-Year Fixed Purchase mortgage remains steady at 5.375%, showing no change over the past week or month; this stability supports predictable long-term planning for buyers prioritizing consistent payments.

Members should consider fixed-rate options if they value payment stability amid minor fluctuations in shorter-term yields. Additionally, first-time buyers may find enhanced cost-efficiency in the lower 15-year rates, while those focused on long-term budgeting can maintain strategy with the unchanged 30-year product. Evaluate your mortgage strategy carefully to determine if refinancing aligns with your financial goals given current yield spreads.

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

As of December 17, 2025, FHA 15-Year Fixed Purchase loans are priced at 5.25%, marking a rise of 12.5 basis points over the past week and month. Meanwhile, FHA 30-Year Fixed Purchase rates stand at 6.00%, also up by 12.5 basis points in the same timeframes. These increases reflect tightening yield spreads that slightly elevate the cost of borrowing for homebuyers opting for government-backed options. First-time buyers focusing on shorter terms may find the FHA 15-Year Fixed rate attractive due to its lower yield relative to the 30-year alternative, which remains the highest rate available today. Given these movements, members should consider fixed-rate products if they prioritize payment stability; those with existing loans might evaluate refinancing only if projected savings exceed associated costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of December 17, 2025, 15-Year Fixed Rate Purchase loans are offered at 5.25%, marking a notable decrease of 37.5 basis points compared to last week and the past 30 days. This reduction lowers the cost of borrowing for members seeking shorter-term stability, benefiting those prioritizing faster equity buildup and reduced interest expense over the loan term. Meanwhile, the 30-Year Fixed Rate Purchase remains at 5.625%, down slightly by 12.5 basis points from seven days ago but unchanged over the past month, maintaining consistent yield spreads for long-term financing.

Members evaluating mortgage strategies should consider fixed-rate options if they value payment predictability; first-time buyers may find improved affordability with lower 15-year rates, while those planning longer tenure might monitor 30-year rates for potential shifts. Considering refinancing is advisable when projected savings exceed associated costs.

For details, visit https://wsecu.org/loans/mortgage-purchase.

As of December 17, 2025, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo increased to 6.167%, up by 0.08 basis points from yesterday, while the 30-Year Fixed Rate Jumbo rose slightly to 6.294%, marking a smaller increase of 0.03 basis points. Over the past week, the 15-Year Fixed Rate Jumbo decreased by 0.03 basis points, indicating some fluctuation in short-term borrowing costs. For borrowers considering these options, the current rates reflect a moderate environment for securing loans; those looking for long-term stability may find the 15-Year Fixed Rate Jumbo appealing given its recent performance.

Current breakeven inflation rates suggest stable expectations, with the 10-year rate at 2.230% and the 5-year rate at 2.250%. These figures influence mortgage rates, as they reflect anticipated inflation and thus affect the cost of borrowing. Notably, the largest 7-day change was a decrease of 0.10 points in Mortgage 30Yr FHA Average Rates, while the most significant drop over 30 days was seen in Mortgage 30Yr VA Average Rates, down by 0.16 points. The lowest mortgage rate currently reported is the Mortgage 30Yr VA Average Rate at 5.801%. Borrowers should consider these trends when evaluating loan options, as fluctuations in rates can significantly impact overall borrowing costs.

At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.