December 31, 2025 | Lowest Fixed FHA Purchase Rate Holds at 5.00%

As of December 31, 2025, the 15-year Fixed Purchase mortgage holds the lowest rate at 5.0% with 0.875 points, reflecting a decrease of 12.5 basis points from last week and stable compared to 30 days ago. This slight reduction in yield spread marginally lowers the cost of borrowing for homebuyers locking in shorter-term fixed rates. For first-time buyers prioritizing predictable payments, this adjustment may improve affordability by reducing monthly principal and interest expenses. Given this stability after recent fluctuations, members should evaluate if a fixed-rate strategy aligns with their financial goals. Consider reviewing your mortgage approach, especially if refinancing costs are outweighed by potential savings.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of December 31, 2025, 15 Year Fixed - Purchase mortgage rates remain steady at 5.375%, holding the lowest yield among available options. The 30 Year Fixed - Purchase rate has decreased by 12.5 basis points over the past week to 5.625%, maintaining stability compared to a month ago. These stable or slightly lower rates reduce the immediate cost of borrowing, benefiting first-time buyers seeking predictable payments and long-term homeownership stability.

For members prioritizing consistent budgeting, fixed-rate loans continue to offer transparent yield spreads without recent volatility. Given the minimal change in rates, potential purchasers should evaluate their mortgage horizon carefully; those planning to hold their loan long-term may favor fixed terms for cost certainty.

Consider reviewing your mortgage strategy with these steady rates in mind; refinancing options might be worthwhile if anticipated savings exceed transaction costs. For details, visit https://www.myfpcu.com/fpcu-mortgage-rates.

As of December 31, 2025, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged from one week and one month ago. This stability reflects a consistent cost of borrowing for first-time homebuyers relying on government-backed financing. For members considering home purchase options, this steady yield spread suggests predictable monthly payments without recent volatility. Veterans and those seeking refinancing currently do not have FHA options reflected today. Given the unchanged rate environment, members prioritizing payment stability might evaluate fixed-rate programs while monitoring market shifts for potential future adjustments. Consider reviewing your mortgage strategy to determine if locking in current rates aligns with your financial goals. For details, visit https://fccu.org/rates/home-loan-rates.

As of December 31, 2025, 15 Year Fixed FHA Mortgage rates for purchase have decreased by 25 basis points, now at a competitive 5.00%, representing the lowest rate available among today’s FHA options. This reduction lowers the overall cost of borrowing for borrowers seeking shorter-term fixed financing, benefiting those prioritizing faster equity build-up and lower interest expenses. Meanwhile, the 30 Year Fixed FHA Mortgage remains steady at 5.375%, showing no change over the past week or month. This stability supports long-term affordability for buyers needing extended amortization periods.

Members considering new home purchases should evaluate whether locking in the reduced 15-year rate aligns with their financial goals. Given the unchanged 30-year rate, those valuing predictable monthly payments may prefer this option despite higher total interest costs. For first-time buyers or those with moderate down payments, these government-backed loans continue to offer structured support.

Consider your mortgage strategy carefully; if reducing interest expense is a priority and you can manage higher monthly payments, the lowered 15-year FHA rate may present meaningful savings over time.

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

As of December 31, 2025, 15-year FHA fixed purchase loans remain at a steady 5.00%, unchanged over both the past week and month. This rate represents the lowest cost of borrowing among today’s FHA options, providing a consistent yield spread for borrowers seeking shorter-term financing. Meanwhile, the 30-year FHA fixed purchase loan also holds firm at 5.25%, showing no movement in the last seven or thirty days. Stability in these government-backed rates benefits first-time buyers and those prioritizing predictable payments. Members evaluating mortgage strategies should consider fixed-rate FHA options if they value payment certainty or are planning long-term homeownership. Additionally, reviewing refinancing possibilities could be prudent when potential savings outweigh associated costs. For details, visit https://www.macu.com/rates/home.

On December 31, 2025, the 30-Year Fixed FHA Purchase mortgage rate at PACIFIC SERVICE remains steady at 5.375%, unchanged from one week ago. This stability in yield spreads indicates no recent increase in the cost of borrowing for first-time buyers relying on government-backed financing. Over the past month, rates have held firm, reflecting consistent market conditions without additional upward pressure on fixed-rate FHA loans. For members prioritizing payment predictability, maintaining a fixed-rate FHA mortgage provides protection against interest rate volatility. Evaluating your mortgage strategy with current stable rates may benefit those considering home purchases; likewise, refinancing opportunities should be assessed carefully to ensure potential savings exceed transaction costs. For details, visit https://www.pacificservice.org/rates#tab4.

As of December 31, 2025, POTLATCH NO. 1 FINANCIAL reports stable mortgage rates for fixed-rate purchase loans. The 15-Year Fixed purchase rate remains at a competitive 4.625%, unchanged over the past week and month, reflecting steady borrowing costs for members seeking shorter-term commitments. The 30-Year Fixed purchase rate holds at 5.25%, also unchanged in recent weeks, maintaining consistent yield spreads for long-term financing.

These stable rates benefit first-time homebuyers and those prioritizing predictable payments. For members considering refinancing or new purchases, the absence of recent rate increases suggests evaluating fixed-rate options to lock in current yields. Given the flat movement, it is prudent to analyze your mortgage horizon carefully; small basis point shifts can materially affect total interest expense over time.

Consider your mortgage strategy in light of these steady rates and assess if refinancing may reduce long-term costs based on your financial goals.

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

As of December 31, 2025, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.25%, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. Meanwhile, the FHA 30-Year Fixed Purchase rate has decreased by 12.5 basis points over the past week to 5.875%, remaining steady over the last month. These movements suggest a modest narrowing of yield spreads for longer-term FHA loans, which may influence borrowing costs differently depending on loan duration.

For first-time buyers prioritizing lower monthly payments, the slight dip in the 30-year FHA fixed rate could reduce long-term interest expenses. Conversely, borrowers favoring accelerated payoff and interest savings might find the stable 15-year FHA fixed rate more predictable despite its recent rise. Members should consider their financial horizon and refinancing options carefully; evaluating fixed-rate mortgages can offer stability amid evolving market conditions.

For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

On December 31, 2025, the FHA 30 Year Fixed Purchase mortgage rate remains steady at 5.375%, unchanged over the past week but down 12.5 basis points compared to 30 days ago. This stable yield reduces borrowing costs slightly for first-time buyers and those seeking government-backed financing, offering predictable monthly payments amid moderate rate fluctuations. Members considering long-term home financing may benefit from locking in these rates to avoid potential future increases. Given the minimal week-over-week change and recent month-over-month decline, evaluating fixed-rate options is prudent for those prioritizing payment consistency and cost certainty. Members should also assess refinancing opportunities if current rates can lower overall interest expenses.

For details, visit https://www.sunmark.org/index.php/current-rates#:~:text=Mortgages-,MORTGAGE%20TYPE,-RATE

As of December 31, 2025, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo stands at 6.185%, reflecting a slight increase of 2 basis points from yesterday, while experiencing a notable decline of 13 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo is currently at 6.256%, up by 3 basis points from one day ago and down by 6 basis points over the last month. Borrowers should note these fluctuations as they may influence borrowing costs; specifically, the 15-Year Fixed Rate Jumbo offers the potential for lower long-term interest payments despite recent volatility.

As of December 31, 2025, inflation expectations remain stable with the 10-Year Breakeven Inflation Rate at 2.240% and the 5-Year Rate slightly higher at 2.250%. This stability contrasts with significant shifts in mortgage rates, particularly a notable decline in the 30-Year Average Rates, which fell by 6.18 points over the past week and 6.17 points over the past 60 days. The current lowest mortgage rate reported is for 30-Year VA Average Rates at 5.725%, reflecting lower borrowing costs for eligible veterans. Borrowers should monitor these trends as changes in inflation expectations and mortgage rates can significantly impact financing decisions and overall affordability in housing markets.

The journey to homeownership is filled with choices, questions, and—if you’re working with the right partner—a real sense of possibility. At LendMesh, we’re honored to be that partner for so many families, guiding you through every mortgage decision with transparency and care. Whether you’ve followed our advice all month or just discovered us today, remember that your goals are at the heart of everything we do. With our nationwide network of banks and credit unions, up-to-date mortgage rates, and expert-written resources, you’ll always have the tools to make informed, confident choices. If you’re ready to take your next step or want a fresh perspective on your options, visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your homeownership story is unique—LendMesh is here to help you write every chapter with confidence.