December 18, 2025 | Lowest Jumbo Fixed Rate Holds at 4.50%

As of December 18, 2025, 15 Year , Jumbo Fixed Purchase loans offer the lowest rate at 5.125%, reflecting a decrease of 11.5 basis points from one week ago and holding steady compared to 30 days prior. This tightening in yield spreads may reduce the cost of borrowing for members seeking shorter-term jumbo financing. Meanwhile, the 30 Year , Jumbo Fixed Purchase rate remains unchanged at 5.875% over both the past week and month, indicating stable long-term fixed borrowing costs.

Members prioritizing payment stability might consider the fixed-rate jumbo options now, especially with the recent dip in the 15-year term enhancing affordability for higher loan amounts. Evaluating refinancing opportunities could be prudent where savings on interest exceed associated fees, particularly given current market steadiness.

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

As of December 18, 2025, 15-Year Fixed Purchase loans maintain the lowest rate at 5.125%, unchanged from both one week and one month ago. The 30-Year Fixed Purchase loan rate remains steady at 5.875%, also showing no movement in the past 7 and 30 days. These stable yields indicate consistent borrowing costs for members seeking fixed-rate options.

For buyers prioritizing long-term affordability, the unchanged rates on the 15-Year Fixed offer potential interest savings through accelerated principal repayment. Meanwhile, those requiring longer terms can rely on the steady 30-Year Fixed rate to plan predictable monthly payments without recent yield spread volatility.

Members should assess their mortgage horizon carefully; consider fixed-rate products if stability is essential. Evaluate refinancing only if projected savings surpass associated closing costs. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.

On December 18, 2025, Jumbo 15-year fixed purchase loans hold the lowest rate at 5.0%, down by 12.5 basis points from last week and stable compared to 30 days ago. Meanwhile, the Jumbo 30-year fixed purchase rate decreased significantly by 25 basis points over both the past week and month, settling at 5.875%. These yield adjustments reduce the cost of borrowing for members seeking high-value property financing. For buyers prioritizing predictable payments, the stable 15-year fixed option offers a competitive rate environment. Those considering longer terms should note the notable recent decline in 30-year Jumbo rates, potentially lowering monthly obligations. Members should evaluate their mortgage strategy accordingly; those with existing loans might consider refinancing if projected savings surpass associated costs.

For details, visit https://www.columbiacu.org/home-loans/.

As of December 18, 2025, Jumbo Mortgage Purchase loans with a 30-year fixed term remain steady at 4.875%, showing no change over the past week or month. This stable rate environment maintains current borrowing costs for high-value property buyers, preserving predictable payment structures without recent upward pressure on yield spreads. For members considering luxury home purchases, this consistency supports long-term financial planning without added premium risk.

Given the unchanged rate trajectory, borrowers prioritizing payment stability should continue to evaluate fixed-rate jumbo options. While refinancing is not addressed today, maintaining awareness of market shifts remains prudent to optimize cost of borrowing.

For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

As of December 18, 2025, Jumbo 15-Year Fixed Rate Purchase loans are priced at 5.375% with 1.0 point, reflecting a 12.5 basis points increase from last week but stable compared to 30 days ago. Meanwhile, the Jumbo 30-Year Fixed Rate Purchase sits at 6.0% with 0.875 points, also up by 12.5 basis points over seven days and unchanged month-over-month.

These yield adjustments indicate a modest rise in the cost of borrowing for jumbo purchase loans, impacting borrowers with higher loan balances who may face slightly increased monthly payments. Members prioritizing rate stability might consider the 15-year fixed option given its lower overall rate. Evaluating these movements can assist in timing purchases or refinancing decisions to optimize long-term financing costs.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of December 18, 2025, Jumbo 15 Years Fixed and Jumbo 30 Years Fixed purchase mortgage rates remain steady at 5.375% and 6.0%, respectively, with no change over the past 7 or 30 days. The Jumbo 15-year fixed rate at 5.375% continues to be the lowest available option, offering borrowers a comparatively lower cost of borrowing for shorter-term financing. Stability in these yields suggests minimal volatility in jumbo loan pricing, benefiting borrowers seeking predictable monthly payments. For those prioritizing long-term affordability, the unchanged 6.0% Jumbo 30-year fixed rate maintains current borrowing costs without upward pressure. Members should consider fixed-rate loans if they value interest rate certainty; meanwhile, evaluating refinancing remains prudent when potential savings exceed associated costs.

For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

On December 18, 2025, 15 Year Jumbo Mortgage rates held steady at 4.5%, matching last week’s yield with no change in basis points. This rate remains the lowest jumbo option available, offering a cost-effective choice for borrowers prioritizing shorter terms and faster equity buildup. The 30 Year Jumbo Mortgage also maintained its rate at 5.625%, unchanged over seven days but reflecting a stable borrowing environment for longer-term financing needs. These steady yields suggest limited volatility in jumbo loan spreads, benefiting members who require larger loan amounts without increased immediate costs. Borrowers should consider their mortgage horizon carefully; those valuing payment stability might favor fixed-rate jumbo products, while others may evaluate refinancing opportunities if market conditions shift meaningfully. For details, visit https://www.fairwinds.org/rates#:~:text=Apply%20Now-,Mortgages,-Fixed%20Rate.

As of December 18, 2025, HUDSON VALLEY reports stable mortgage rates for jumbo loan products. The 15-Year Fixed Jumbo rate remains at a competitive 4.625%, unchanged over the past week but down 25 basis points compared to 30 days ago, indicating a modest reduction in borrowing costs for shorter-term jumbo buyers. Meanwhile, the 30-Year Fixed Jumbo rate holds steady at 5.875%, with no change week-over-week and a slight decline of 12.5 basis points versus one month prior. These trends suggest consistent yield spreads in jumbo markets, benefiting borrowers seeking long-term financing stability or faster payoff timelines.

Members considering purchase options should evaluate fixed-rate loans for predictable payments amid current market conditions. Given recent decreases, those eligible for jumbo loans might review refinancing opportunities to optimize cost efficiency.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of December 18, 2025, Conventional 15 Year Jumbo Fixed Purchase loans hold the lowest rate at 5.5% with 0.25 points, reflecting a 12.5 basis point decrease from one week ago and stability compared to 30 days prior. This reduction slightly lowers the cost of borrowing for members seeking shorter-term financing on higher-value properties. Conversely, the Homebuyers Choice 30 Year Jumbo Fixed Purchase loan remains steady at 6.875% with 0.5 points, showing no change over the past seven or thirty days, which maintains consistent yield spreads for longer-term borrowers.

Members prioritizing predictable payments may benefit from the current fixed-rate options; however, given recent rate movements, those considering refinancing should evaluate whether potential savings outweigh associated costs. Assess your mortgage strategy carefully in light of these stable yet nuanced rate shifts.

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

As of December 18, 2025, 15-year Jumbo fixed-rate purchase loans offer the lowest rate at 5.5%, down 12.5 basis points from one week ago and 25 basis points lower than 30 days prior, reflecting a modest easing in borrowing costs for higher-balance homebuyers seeking shorter-term financing. Meanwhile, the 30-year Jumbo fixed-rate purchase loan remains steady at 5.625%, unchanged from last week but down 25 basis points compared to a month ago, indicating stable yield spreads for longer-term jumbo financing.

These shifts suggest improved affordability for members pursuing jumbo loans, especially those preferring quicker amortization periods. Borrowers valuing rate stability might consider the 30-year option, while those aiming to reduce interest expenses faster could benefit from the declining 15-year rates. Members should evaluate their mortgage strategies and consider refinancing if projected savings surpass transaction costs.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of December 18, 2025, mortgage rates are experiencing a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.363%, down by 0.03 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains steady at 6.349% with no change in the last day. Over the past week, the 15-Year Fixed Rate Jumbo has seen a slight increase of 0.12 basis points, indicating a potential rise in borrowing costs for short-term loans. In contrast, both loan types have risen modestly over the past month and two months, particularly the 15-Year Fixed Rate Jumbo, which increased by 0.32 basis points in the last 60 days. Borrowers should consider these fluctuations when assessing their mortgage options and overall cost of borrowing.

As of December 18, 2025, inflation expectations indicated by the Breakeven Inflation Rates for both 10 years at 2.240% and 5 years at 2.260% reflect stable outlooks that influence mortgage rates and the overall cost of borrowing. The most significant shifts include a drop in the Mortgage 30Yr Average Rates, which decreased by 6.22 points over the past week, signaling a potential easing in borrowing costs for homebuyers. Additionally, the Mortgage 30Yr Usda Average Rates fell by 0.15 points over the last month, contributing to a competitive lending environment. Borrowers should consider locking in rates as they remain relatively low, with the lowest rate recorded being 5.812% for the 30Yr VA average rates.

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