February 24, 2026 | Lowest VA Fixed Rate Holds at 4.625% Today

On February 24, 2026, the 30-Year VA Fixed Purchase mortgage rate remains steady at 5.125%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This stable yield spread indicates a slight easing in the cost of borrowing for veterans seeking long-term financing. For veterans and first-time buyers using VA loans, this consistency supports predictable monthly payments amid broader market fluctuations. Given the current rate environment, members may benefit from evaluating fixed-rate options if they prioritize payment stability. Additionally, those with existing higher-rate VA mortgages should consider refinancing opportunities to reduce long-term interest expenses when potential savings exceed transaction costs. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On February 24, 2026, Federal VA Loans for purchase fixed-rate mortgages remain stable. The 15-year VA loan holds the lowest rate at 5.0%, unchanged over the past week but down 12.5 basis points compared to 30 days ago, signaling a modest reduction in borrowing costs for veterans seeking shorter-term financing. Similarly, the 30-year VA fixed purchase rate stands at 5.5%, steady week-over-week and down 12.5 basis points from a month ago, offering consistent yield spreads for long-term homebuyers.

For members considering new purchases, these rates underscore the value of evaluating fixed-rate options for predictable payments amid recent market steadiness. Veterans prioritizing lower interest expenses may find the 15-year fixed VA loan advantageous due to its lower rate and declining trend over the past month. Assess refinancing possibilities if current rates offer measurable savings against existing loan terms.

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

On February 24, 2026, CREDIT UNION WEST reports notable shifts in mortgage rates for fixed-rate home purchases. The 15-year fixed loan rate stands at a low 4.875%, down 62.5 basis points from one week ago and approximately 11.5 basis points lower than 30 days prior, representing improved borrowing costs for members seeking shorter-term financing with predictable payments. Conversely, the 30-year fixed purchase rate has increased by 50 basis points over the past week to 5.25%, although it remains slightly lower than a month ago by about 12.5 basis points; this rise may impact affordability for those prioritizing longer repayment horizons.

For first-time buyers or those valuing payment stability, the declining 15-year fixed rates suggest potential savings on interest expense. Meanwhile, borrowers considering longer terms should evaluate current yield spreads and how recent fluctuations influence total cost of borrowing. Members are advised to assess their mortgage strategy carefully; consider fixed-rate options if stability is a priority or explore refinancing where rate differentials exceed associated costs.

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

As of February 24, 2026, VA 15-year Fixed Purchase loans remain at a stable 5.00%, unchanged over the past week and month, representing the lowest rate among today’s VA offerings. This stability supports veterans seeking accelerated equity build-up with predictable payments. Conversely, the VA 30-year Fixed Purchase loan holds steady at 5.375%, unchanged from last week but down 12.5 basis points compared to 30 days ago, slightly lowering long-term borrowing costs for those prioritizing extended payment terms.

For veterans evaluating mortgage options, the consistent yield on the 15-year fixed can provide cost certainty, while the modest decline in 30-year rates may enhance affordability for longer-term financing needs. Members should assess their financial goals; consider fixed-rate products if payment predictability is a priority or evaluate refinancing strategies where rate reductions exceed associated costs.

For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

As of February 24, 2026, VA 15-Year Fixed Purchase loans maintain a rate of 4.875%, unchanged from last week but down 12.5 basis points over the past 30 days. This steady decline reduces the cost of borrowing for veterans seeking shorter-term financing. Meanwhile, the VA 30-Year Fixed Purchase rate remains at 5.375%, also stable week-over-week yet lower by 12.5 basis points compared to one month ago, improving affordability for long-term buyers.

For veterans evaluating mortgage options, these modest rate decreases suggest potential savings in interest expense without increased yield spread risk. Members prioritizing payment stability may find fixed-rate VA loans advantageous amid current market conditions.

Given these trends, consider reviewing your mortgage strategy to determine if locking in a fixed VA rate aligns with your financial goals or if refinancing opportunities merit analysis based on potential cost reductions.

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

As of February 24, 2026, 15-year VA fixed-rate mortgages stand at 5.00%, reflecting a modest increase of 12.5 basis points compared to last week but remain slightly lower by 12.5 basis points than rates observed 30 days ago. This slight weekly uptick marginally raises the short-term cost of borrowing for veterans seeking quicker amortization schedules. Meanwhile, the 30-year VA fixed-rate mortgage remains steady at 5.25%, unchanged over the past week but down by 12.5 basis points from a month prior, offering consistent yield spreads for those prioritizing longer-term payment stability.

For veterans and first-time homebuyers weighing loan terms, the data suggests evaluating fixed-rate options carefully: 15-year VA loans provide lower long-term interest expense despite recent volatility, while 30-year VA loans deliver rate stability. Consider your mortgage strategy in light of these nuanced shifts; refinancing may be advantageous if long-term savings outweigh associated costs.

For details, visit https://www.macu.com/rates/home.

As of February 24, 2026, Navy Federal Credit Union’s mortgage rates show notable stability in the 15-year fixed VA purchase loan, holding steady at 4.75% with a minimal 0.5 points cost, unchanged from one week and one month ago. This rate remains the lowest available option, offering veterans and active-duty members a consistent borrowing cost for shorter-term financing.

Conversely, the 30-year fixed VA purchase loan has experienced a substantial decline over the past week, dropping by 87.5 basis points to 5.25%, while remaining flat compared to 30 days ago. This reduction enhances affordability for those seeking longer-term loans, potentially lowering monthly payments and overall interest expense.

Members should assess their financial goals carefully; consider fixed-rate VA loans for predictable payments and evaluate refinancing opportunities if current rates provide meaningful savings relative to closing costs. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of February 24, 2026, the 30-year Fixed VA Loan purchase rate remains steady at 5.00%, unchanged from one week ago and marking a decrease of 25 basis points compared to 30 days prior. This rate stability benefits veterans and eligible borrowers seeking predictable monthly payments and long-term financing certainty. The modest decline over the past month reflects a slight easing in yield spreads, potentially lowering the overall cost of borrowing for those entering the housing market or considering new purchases with VA-backed loans. Members prioritizing payment stability may find this an opportune moment to lock in fixed-rate terms. Evaluating your mortgage strategy with these consistent rates could inform decisions on home acquisition or timing your loan application.

For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of February 24, 2026, 15-Year Fixed Purchase mortgage rates have decreased by 12.5 basis points over the past week to a current rate of 4.625%, matching the rate from 30 days ago. This reduction in yield spreads lowers the cost of borrowing for borrowers seeking shorter-term fixed-rate loans, potentially benefiting those aiming to build equity faster or reduce total interest paid. Meanwhile, the 30-Year Fixed Purchase mortgage rate remains steady at 5.25%, with no change over the last 7 or 30 days, maintaining a stable borrowing environment for long-term buyers.

Members considering home financing should evaluate their mortgage strategy carefully; those prioritizing payment stability may find fixed-rate options advantageous amid minimal recent volatility. Additionally, first-time buyers might leverage the lower 15-Year Fixed rates to shorten loan duration and reduce interest expenses. For members weighing refinancing, monitoring future rate trends will be critical to determining potential cost savings versus associated fees.

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

As of February 24, 2026, VA 15-Year Fixed Purchase loans are offered at a rate of 4.875%, marking a 12.5 basis point increase from one week ago but stable compared to 30 days prior. This uptick slightly raises borrowing costs for veterans seeking shorter-term financing while maintaining a competitive yield spread versus historical levels. Meanwhile, the VA 30-Year Fixed Purchase rate remains steady at 5.375%, unchanged over the past week and down by 25 basis points compared to 30 days ago, indicating improved affordability for long-term buyers.

Members considering home purchases should evaluate the trade-offs between shorter-term higher monthly payments and longer-term interest savings. Those prioritizing payment stability may find the unchanged 30-year fixed rates advantageous, while veterans focused on quicker equity buildup face modest cost increases in the 15-year product. For details, visit https://www.wecu.com/homeloans/purchase/.

As of February 24, 2026, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.144%, increasing by 0.10 basis points from yesterday, while the 30-Year Fixed Rate Jumbo sits at 6.083%, decreasing by 0.05 basis points in the same period. Over the past week, the 30-Year Fixed Rate Jumbo has seen a decline of 0.08 basis points, reflecting a more significant shift in the market compared to its shorter-term counterpart. Borrowers should consider these fluctuations as they impact the overall cost of borrowing and yield spread; thus, assessing current conditions is advisable for making informed decisions about mortgage options.

As of today, Breakeven Inflation Rates indicate stable inflation expectations, with the 10-year rate at 2.260% and the 5-year rate at 2.400%. These figures suggest a moderate outlook for inflation, which can influence mortgage rates and borrowing costs. Notably, the Mortgage 30Yr Average Rate has decreased by 6.09 points over the past month, reflecting a shift in borrowing conditions that could benefit homebuyers. Meanwhile, the lowest mortgage rate reported is for the Mortgage 30Yr FHA Average Rate at 5.859%. Borrowers should consider these trends when assessing their financing options as lower rates could improve affordability in the current economic landscape.

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