December 25, 2025 | Lowest Jumbo Fixed Mortgage Rate Holds at 4.50%

On December 25, 2025, 15 Year Jumbo Fixed Purchase loans are at 5.125%, up 25 basis points from last week but unchanged over the past month. The 30 Year Jumbo Fixed Purchase rate stands at 5.875%, reflecting a modest increase of 12.5 basis points over seven days and the same rise compared to 30 days ago. These upward shifts indicate a slight increase in borrowing costs for jumbo loan borrowers, impacting affordability for high-value home purchases. Members prioritizing payment stability may consider locking in current fixed rates, especially given the recent yield spread widening on the shorter-term jumbo fixed option. Evaluating mortgage strategy in light of these trends can help manage long-term financing expenses effectively. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of December 25, 2025, mortgage rates remain unchanged across key purchase loan products at CERTIFIED. The 15-Year Fixed Purchase loan holds steady at 5.125%, representing the lowest rate available today, while the 30-Year Fixed Purchase loan remains at 5.875%. No basis point movement has occurred over the past week or month, indicating stable yield spreads and consistent borrowing costs for prospective homebuyers.

For members seeking predictable payments and shorter loan terms, the 15-Year Fixed option continues to offer a competitive rate. Those prioritizing lower monthly payments with longer amortization may consider the unchanged 30-Year Fixed product. In this steady rate environment, evaluating your mortgage strategy, such as locking in a fixed rate to manage interest risk, is advisable.

Consider your refinancing options if long-term savings outweigh upfront costs given current rates. For details, visit https://www.certifiedfed.com/rates-2/#real_estate.

As of December 25, 2025, COLUMBIA COMMUNITY reports steady mortgage rates for jumbo fixed-rate loans. The 15-year Jumbo fixed-rate purchase remains at 5.0% with 1.0 point, unchanged from both last week and one month ago, indicating stable yield spreads and consistent borrowing costs for borrowers seeking shorter-term financing. Similarly, the 30-year Jumbo fixed-rate purchase holds at 5.875% with 1.0 point, showing no movement over the past seven and thirty days.

These stable rates provide clarity for members considering jumbo loans, particularly those prioritizing rate predictability over longer terms or faster amortization schedules. Given the current environment, members should evaluate fixed-rate options if they value stability and carefully assess refinancing viability based on their long-term cost structure.

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

On December 25, 2025, the 30-year Fixed Jumbo Mortgage purchase rate at Community First Credit Union of FLO increased by 25 basis points to 5.125% compared to one week ago, and also rose by the same margin versus 30 days prior. This upward movement reflects a higher cost of borrowing for jumbo loan applicants, potentially impacting buyers seeking larger loan amounts. The yield spread tightening suggests lenders are adjusting for market volatility or funding costs.

Members considering jumbo purchases should assess how this rate increase affects monthly payments and overall affordability. Given current trends, evaluating fixed-rate options may provide stability amid rate fluctuations. Additionally, prospective borrowers might consider timing strategies or alternative financing to mitigate cost increases.

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

On December 25, 2025, Jumbo 15 Year Fixed Rate Purchase loans increased by 12.5 basis points to 5.375%, marking a modest rise from one week ago while remaining stable over the past month. This rate is currently the lowest available among today’s jumbo options, reflecting a slightly higher cost of borrowing compared to earlier periods but unchanged since 30 days prior. Meanwhile, the Jumbo 30 Year Fixed Rate Purchase loan held steady at 5.875%, with no change in yield spread over both the past week and month.

For members considering long-term financing, these movements suggest evaluating whether locking in the fixed rates aligns with financial goals; borrowers prioritizing shorter terms may face increased monthly payments due to the recent uptick in the 15-year jumbo rate. Given these dynamics, members should consider fixed-rate options if stability is preferred or assess refinancing opportunities when potential savings surpass associated costs.

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

On December 25, 2025, Jumbo 15-Year Fixed Purchase loans remain at a 5.25% rate, holding steady from one week ago but down by 12.5 basis points compared to 30 days prior. Similarly, the Jumbo 30-Year Fixed Purchase loans maintain a rate of 6.00%, unchanged over the past week and also reflecting a 12.5 basis point decrease from a month ago. These yield spreads indicate a modest reduction in borrowing costs for jumbo loan borrowers over the past month, supporting potential savings in long-term interest expenses. Members considering high-value property purchases may find these fixed rates advantageous for stable monthly payments and predictability in budgeting. Given the stability this week and recent declines, it is prudent to evaluate fixed-rate jumbo options aligned with your financial goals and consider refinancing if projected savings exceed transaction costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

On December 25, 2025, 15 Year Jumbo Mortgage rates for purchases remain steady at 4.5%, holding the lowest yield among jumbo options with no change over the past week or month. In contrast, the 30 Year Jumbo Mortgage purchase rate increased by 12.5 basis points over 30 days to 5.625%, reflecting a slight rise in long-term borrowing costs. These shifts imply stable short-term financing costs for borrowers seeking faster amortization, while longer-term commitments have become modestly more expensive. Members aiming for lower monthly payments may evaluate fixed-rate jumbo loans carefully, considering the trade-off between term length and interest expense. Veterans and high-net-worth buyers should monitor these movements closely to optimize loan structure. Given these dynamics, consider fixed-rate options if you prioritize payment predictability; alternatively, assess refinancing viability if long-term savings exceed associated fees.

For details, visit https://www.fairwinds.org/rates#:~:text=Apply%20Now-,Mortgages,-Fixed%20Rate.

As of December 25, 2025, 15-Year Fixed Jumbo Purchase loans rose by 12.5 basis points, reaching 4.75% with 0.875 points; this increase reflects a modest uptick in borrowing costs for high-value homebuyers seeking shorter terms. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains stable at 5.875% with 0.625 points, showing no change over the past week, which may benefit those prioritizing long-term payment predictability.

For members considering jumbo financing, rising yields on 15-year terms signal slightly higher monthly payments and overall interest expense compared to last week, while stable 30-year rates preserve budgeting certainty. Given these movements, borrowers should evaluate whether locking in current fixed rates aligns with their financial plans or if refinancing strategies might optimize long-term costs.

Consider fixed-rate options if you value payment stability; assess refinancing only when potential savings exceed associated fees. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of December 25, 2025, Navy Federal Credit Union's mortgage rates show stability in the Conventional 15 Year Jumbo Fixed Purchase program at 5.5%, unchanged from both one week and one month ago. This steady rate reflects consistent borrowing costs for members seeking shorter-term jumbo loans with minimal points. Conversely, the Homebuyers Choice 30 Year Jumbo Fixed Purchase rate increased sharply by 100 basis points to 6.875% over the past seven days but remained flat compared to 30 days prior. This rise significantly impacts long-term financing costs for buyers opting for extended jumbo loan terms, increasing monthly payments and total interest outlay.

Members considering jumbo purchases should weigh these dynamics carefully; those prioritizing payment stability might favor the 15-year fixed option at the current lower rate. Given recent volatility in longer-term jumbo rates, evaluating mortgage strategies aligned with financial goals is advisable. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

On December 25, 2025, 15-year Jumbo fixed-rate purchase loans remain steady at 5.50%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This decline reduces the cost of borrowing for high-value property buyers seeking shorter terms. Meanwhile, 30-year Jumbo fixed-rate purchase loans hold at 5.625%, showing no change over both the past week and month, maintaining consistent yield spreads for long-term financing.

For members pursuing jumbo mortgages, these stable to slightly lower rates suggest opportunities to lock in predictable payments or reassess financing plans. Borrowers valuing payment stability may consider fixed-rate options given current market steadiness. Evaluating your mortgage strategy with attention to recent rate movements can help optimize borrowing costs over your loan term.

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

As of December 25, 2025, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo stands at 6.312%, slightly down by 0.004% from yesterday but up 0.144% over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo increased to 6.484%, marking a significant rise of 0.21% in just one day and a total increase of 0.14% over the last month. Borrowers should note that while the 30-Year Fixed Rate Jumbo reflects higher borrowing costs recently, the relatively stable rate for the 15-Year Fixed Rate Jumbo may still offer competitive options for refinancing or new purchases. Careful consideration of these movements is essential for cost-effective mortgage decisions.

Inflation expectations, reflected in the Breakeven Inflation Rate, influence mortgage rates and borrowing costs. Currently, the 30-Year Jumbo Average Rate shows a notable increase of 0.10 points over the past week, while the 30-Year FHA Average Rates rose by 0.09 points over the last 30 days, indicating upward pressure on borrowing costs. The lowest mortgage rate recorded is 5.500% for the 15-Year Average Rates, suggesting potential affordability for borrowers seeking long-term financing solutions. As inflation expectations evolve, monitoring these indicators can help borrowers make informed decisions regarding their mortgage options and overall financial strategy.

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