March 31, 2026 | VA Fixed Mortgage Rates Hold Steady at 4.875%

As of March 31, 2026, the 30-Year VA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but up 25 basis points compared to 30 days prior. This yield spread increase indicates a modest rise in the cost of borrowing for veterans seeking to purchase homes. For veteran buyers, this stability over the past week provides predictable financing costs; however, the month-over-month increase suggests evaluating loan timing carefully. Given current conditions, members valuing payment certainty should consider fixed-rate options while monitoring market trends. Veterans contemplating home purchases or refinancing should assess whether locking in rates now aligns with their financial goals, especially considering recent upward pressure on yields. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On March 31, 2026, Federal VA Loans for both 15-year and 30-year fixed-rate purchase mortgages saw a modest decline of 12.5 basis points compared to last week, with rates now at 5.375% and 5.875%, respectively. Despite this weekly dip, these rates remain higher by 37.5 basis points relative to 30 days ago, reflecting recent upward pressure on borrowing costs. The 15-year VA fixed loan at 5.375% offers the lowest rate available today, potentially benefiting veterans seeking shorter-term financing with stable payments. Meanwhile, those considering longer-term commitments might evaluate the impact of current yield spreads on affordability and long-term interest expenses. Members should review their mortgage strategies carefully; fixed-rate options provide predictability amid fluctuating yields, and refinancing could be advantageous if projected savings outweigh transaction costs. For details, visit https://www.capitalcu.com/mortgage-rates.

As of March 31, 2026, 15-year VA Loans and 30-year VA Loans purchase rates remain steady at 5.125% and 5.625%, respectively. There has been no change in yield spreads over the past 7 or 30 days, reflecting stable borrowing costs for veterans pursuing home purchases. The unchanged rates suggest consistent market conditions, allowing members to evaluate fixed-rate VA options without concerns of near-term rate volatility. For veterans prioritizing predictability and long-term budgeting, the 15-year VA Loan at 5.125% offers the lowest rate today, potentially reducing total interest compared to longer terms. Members should consider their financial goals carefully; locking in these stable fixed rates may be advantageous for those seeking rate certainty amid broader economic fluctuations. For details, visit https://www.cu1.org/rates#real-estate-rates.

As of March 31, 2026, fixed-rate purchase mortgages have experienced modest increases in borrowing costs. The 15-year fixed purchase rate rose by 12.5 basis points to 5.25%, marking the lowest rate among today’s options but a notable uptick compared to last week and the past month. Similarly, the 30-year fixed purchase rate increased by 12.5 basis points to 5.75%, reflecting a larger 50 basis point rise over the last 30 days, indicating higher yield spreads impacting long-term financing costs.

For members prioritizing payment stability, the 15-year fixed option at 5.25% remains the most cost-effective choice despite recent increases. Conversely, buyers seeking longer terms face elevated rates that may affect monthly affordability and total interest paid.

Given these trends, members should consider fixed-rate products if valuing predictability or evaluate refinancing opportunities where potential savings exceed associated fees. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of March 31, 2026, the VA 15-Year Fixed Purchase mortgage rate stands at 5.25%, down by 12.5 basis points from last week but up 37.5 basis points over the past month. This represents a modest recent decline improving borrowing costs for veterans seeking shorter-term fixed loans, though rates remain elevated compared to six months ago. Meanwhile, the VA 30-Year Fixed Purchase rate is at 5.875%, also down by 12.5 basis points week-over-week but increased by 50 basis points since 30 days prior. Longer-term borrowers face higher yield spreads, which may affect overall affordability and monthly payments.

Members should consider locking in fixed-rate options if stability is a priority or evaluate refinancing opportunities to reduce long-term expenses when rate differentials justify closing costs. Monitoring these shifts can inform strategic mortgage decisions aligned with individual financial goals.

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

As of March 31, 2026, the 30-year VA Fixed Purchase mortgage rate stands at 5.875%, reflecting a 12.5 basis points increase compared to one week ago and a 37.5 basis points rise from 30 days prior. This upward movement in yield spreads indicates a modest increase in the cost of borrowing for veterans seeking to purchase homes with fixed-rate VA loans. For veteran homebuyers, these changes may slightly impact monthly payments and loan affordability; therefore, evaluating current fixed-rate options is advisable. Given this trend, members considering long-term stability should weigh locking in rates promptly, while those exploring refinancing should assess whether potential savings justify associated costs. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

As of March 31, 2026, VA 15 Year Fixed Purchase loans carry the lowest rate at 5.375%, marking a 12.5 basis point increase over the past week and a notable 62.5 basis point rise since one month ago. This upward movement raises the cost of borrowing for veterans seeking shorter-term financing, potentially increasing monthly payments. Meanwhile, the Military Choice 30 Year Fixed Purchase rate stands at 6.875%, also up by 12.5 basis points week-over-week and 75 basis points higher than 30 days prior, reflecting broader yield spread expansions affecting longer-term fixed loans for military members.

Members considering home purchases should weigh these rising rates carefully; those valuing payment predictability might find fixed-rate options suitable despite elevated levels. Veterans targeting shorter terms face increased costs but benefit from stable rates compared to adjustable alternatives. Evaluating mortgage strategies in light of recent rate trends can help optimize long-term financial outcomes.

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

On March 31, 2026, the 30-year Fixed VA Loan Purchase rate at PENTAGON Credit Union rose to 5.375%, marking a 12.5 basis points increase from one week ago and a more notable 37.5 basis points rise over the past 30 days. This upward movement reflects higher borrowing costs for veterans seeking to purchase homes, potentially increasing monthly payments and overall loan expenses. First-time buyers and military members should carefully assess how this yield spread shift impacts their budget and loan affordability. Given the rate volatility, members valuing payment predictability may find fixed-rate options advantageous despite the recent climb. Evaluating refinancing remains prudent if long-term interest savings outweigh closing costs.

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

As of March 31, 2026, the 15-Year Fixed Purchase mortgage rate remains steady at 4.875%, holding its yield over the past week with no change and marking a 25 basis points increase compared to 30 days ago. This rise reflects a modest uptick in borrowing costs for borrowers seeking shorter-term fixed-rate loans, impacting those aiming to reduce overall interest expense through accelerated payoff.

The 30-Year Fixed Purchase rate also holds steady at 5.375%, unchanged from last week but up by 12.5 basis points month-over-month. Longer-term borrowers face slightly higher cost pressure compared to a month prior, which may influence decisions around locking in rates versus waiting.

Members should evaluate their mortgage strategies carefully; consider fixed-rate options if prioritizing payment stability amid recent upward shifts. For potential savings, reviewing refinancing opportunities is advisable when rate differentials justify transaction costs.

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

As of March 31, 2026, the VA 15-Year Fixed Purchase mortgage rate stands at 5.25%, reflecting a decrease of 12.5 basis points over the past week but an increase of 37.5 basis points compared to 30 days ago. This shorter-term fixed option remains the lowest rate available today, benefiting veterans and active-duty borrowers seeking accelerated equity build-up with relatively lower borrowing costs.

Meanwhile, the VA 30-Year Fixed Purchase rate is at 6.00%, down by 12.5 basis points from last week but up by 62.5 basis points month-over-month. This longer-term fixed product carries higher yield spreads, impacting overall loan affordability for borrowers prioritizing stable monthly payments over extended terms.

For members evaluating purchase options, these trends suggest that choosing fixed-rate loans like the VA 15-Year Fixed Purchase may offer cost advantages amid fluctuating yields. Veterans should consider their long-term financial goals and consult current rate movements when determining mortgage strategies.

Evaluate refinancing if potential savings exceed associated costs; consider fixed-rate options for payment predictability under current market conditions. For details, visit https://www.wecu.com/homeloans/purchase/.

As of March 31, 2026, mortgage rates are trending upward. The 15-Year Fixed Rate Jumbo now stands at 6.500%, increasing by 14 basis points from yesterday and 41 basis points over the past month. Similarly, the 30-Year Fixed Rate Jumbo is at 6.667%, reflecting a slight rise of 6 basis points from one day ago and a notable increase of 49 basis points in the last 30 days. These shifts indicate an uptick in the cost of borrowing for potential homebuyers, which could impact affordability and overall housing market dynamics. Borrowers should carefully evaluate these rates when considering mortgage options.

Recent inflation expectations have significantly influenced mortgage rates and borrowing costs. The Breakeven Inflation Rate for both 10 years and 5 years has dropped to 0.000, indicating a reduced expectation for inflation, which typically correlates with lower borrowing costs. Notably, the Mortgage 30Yr Jumbo Average Rates experienced the largest declines across multiple periods, falling by 6.64 points in one day and 6.13 points over the past month, impacting affordability for potential homebuyers. The lowest mortgage rate currently reported is 5.997% for Mortgage 30Yr USDA Average Rates. Borrowers should closely monitor these trends as they may provide opportunities for favorable financing conditions in the near term.

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.