December 20, 2025 | Lowest ARM Rate Steady at 4.25% | Adjustable-Rate Mortgage Insight

As of December 20, 2025, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase loans remains steady at a 4.25% rate, unchanged from one week ago. This stability follows a modest decline from the 4.363% level observed 45 days prior, reflecting a yield spread compression of approximately 11 basis points over that period. For borrowers considering an adjustable-rate product, this consistent rate environment may offer predictable initial costs, though future adjustments should be monitored closely. First-time homebuyers and investors might benefit from evaluating how this rate compares with fixed alternatives, especially given current market volatility. Members contemplating refinancing should weigh potential savings against adjustment risk and timing. To optimize borrowing costs, consider locking rates if you prioritize short-term affordability or explore fixed-rate options for long-term certainty. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of December 20, 2025, the 5/5 ARM Conforming Adjustable Purchase loan remains steady at a rate of 5.25%, unchanged from one week and one month ago. This stability in yield spreads suggests no immediate increase in the cost of borrowing for members seeking adjustable-rate options on new home purchases. For first-time buyers and those comfortable with periodic rate adjustments, this consistent rate environment allows for predictable short-term budgeting. Veterans and refinancing applicants should note that only purchase loans are reported today, limiting current refinancing options. Members aiming to manage interest rate risk may consider fixed-rate alternatives if available or evaluate their mortgage strategy carefully. Given the lack of movement, it is prudent to monitor market trends closely and consider refinancing only if potential savings outweigh transaction costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of December 20, 2025, adjustable-rate mortgages (ARMs) for purchase loans in the San Francisco Fire credit union area remain steady. The 5/1 ARM holds the lowest rate at 5.50%, unchanged over the past week and month, indicating stable yield spreads and consistent cost of borrowing for short-term adjustable loans. Similarly, the 7/1 ARM remains at 5.625%, and the 10/1 ARM is steady at 5.75%, both showing no rate movement in recent weeks.

For members considering purchase ARMs, these flat rates suggest predictable initial payments without recent upward pressure on borrowing costs. First-time buyers might find the 5/1 ARM particularly cost-effective if they plan to refinance or sell within five years. Given this stability, it is advisable to evaluate your mortgage horizon carefully; those seeking longer-term certainty should consider fixed-rate alternatives elsewhere.

Members should assess refinancing only if potential savings exceed associated fees or if market conditions shift notably. For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

On December 20, 2025, Conforming Adjustable-Rate Mortgages (ARMs) for purchase show modest declines in yields. The 5/5 ARM stands at a lowest rate of 5.125%, down 25 basis points (bps) from last week and 12.5 bps lower than 30 days ago, indicating a narrowing cost of borrowing for short-term adjustable loans. The 15/15 ARM decreased by 25 bps week-over-week to 5.25%, remaining stable month-over-month, while the 7/6 ARM and 10/6 ARM also saw slight weekly reductions of 12.5 bps to 5.25% and 5.375%, respectively.

For members considering purchase ARMs, these rate shifts may improve affordability on initial fixed periods but require monitoring of future adjustments. Given current trends, borrowers valuing predictability should evaluate fixed-rate alternatives; those comfortable with variable rates might benefit from recent yield spread compressions. Assess refinancing opportunities if potential savings exceed associated costs.

For details, visit https://www.sdfcu.org/rates#mortgages-block.

As of December 20, 2025, adjustable-rate mortgages (ARMs) for purchase show varied trends in yield spreads. The 7/1 ARM rate stands at 6.12%, unchanged from a week ago but up by 37 basis points over the past 30 days, indicating increased borrowing costs for members considering this option. Meanwhile, the 10/1 ARM holds steady at 5.875%, maintaining the lowest rate among today’s ARMs with no recent fluctuations, offering a more stable cost profile for buyers preferring a longer initial fixed period. The 15/15 ARM remains at 6.0%, consistent week-over-week and month-over-month.

These shifts suggest members focused on minimizing initial payments might evaluate the 10/1 ARM as a cost-effective choice; however, those concerned with long-term rate volatility should carefully assess potential adjustments beyond the fixed terms. Given rising rates on shorter fixed periods, consider your tolerance for future rate resets and explore refinancing options if current loans no longer align with financial goals.

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

As of December 20, 2025, mortgage rates are stable with no changes from yesterday for both 15-Year Fixed Rate Jumbo at 6.277% and 30-Year Fixed Rate Jumbo at 6.385%. Over the past week, the 30-Year Fixed Rate Jumbo has seen a slight increase of 0.06 basis points, while the 15-Year Fixed Rate Jumbo has risen by 0.21 basis points over the last month. Borrowers may find that rates remain competitive; however, recent upward trends could suggest a tightening in financing costs moving forward. It is advisable to monitor these rates closely to assess potential impacts on overall borrowing costs and long-term financial planning.

Current inflation expectations are reflected in the Breakeven Inflation Rates, indicating stable 10-year and 5-year rates at 2.240% and 2.270%, respectively. The mortgage landscape shows little change, with the Mortgage 30Yr Average Rate at 6.210%, maintaining stability despite recent fluctuations. Notably, the largest change over the past week was a decline of 0.20 percentage points in the Mortgage 30Yr Va Average Rates; while over 30 days, the Mortgage 30Yr Jumbo Average Rates fell by 0.14 percentage points. Borrowers should take note of these trends, particularly as the lowest rate recorded is for the Mortgage 30Yr Usda Average Rate at 5.968%, signaling potential opportunities for cost-effective borrowing amidst fluctuating rates.

Every mortgage journey is unique, and so is every buyer’s story. Maybe you’re navigating the process for the first time, or maybe you’re a seasoned homeowner looking for a smarter refinance. Either way, LendMesh is here for you. We’re proud to partner with institutions big and small, from household-name banks to community credit unions who know your local market inside and out. Our expert-written guides and side-by-side comparisons mean you always have the information you need, without the hassle or guesswork. Want to see what’s out there? Visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, homebuying doesn’t have to be complicated—it can even be inspiring.