April 29, 2026 | Steady 4.875% Fixed FHA Rate Maintains Buyer Options

As of April 29, 2026, the Utah Housing FHA 30-year fixed purchase loan stands at 6.375%, reflecting a 12.5 basis point increase compared to one week ago. This rise indicates a modest uptick in the cost of borrowing for first-time homebuyers utilizing this government-backed program. Over the past month, rates have remained stable without available comparative data for a 30-day change.

For members considering home purchases through the FHA program, this rate shift may slightly affect monthly payment calculations and overall loan affordability. Evaluating fixed-rate options remains prudent for those prioritizing payment stability amid rising yields. Veterans and refinance borrowers should note this update does not include VA or refinance products today.

Members are advised to assess their mortgage strategy with these rate movements in mind; consider refinancing only if potential savings outweigh associated costs.

For details, visit https://www.americafirst.com/loans/mortgage-loans/mortgage-loans.html#_.

On April 29, 2026, FHA 15-Year Fixed Purchase rates rose by 25 basis points to 5.25%, marking an increase from last week’s 5.00%. This shift raises the cost of borrowing for buyers seeking shorter-term FHA loans, potentially impacting monthly payments and total interest paid. The FHA 30-Year Fixed Purchase rate also increased by 25 basis points to 5.875% compared to seven days ago but remains 12.5 basis points lower than 30 days prior at 6.0%. Longer-term borrowers may see slightly higher initial yields; however, recent easing over the past month could offer some relief in refinancing decisions.

Members prioritizing payment stability should consider fixed-rate options amid these moderate yield adjustments. Evaluating mortgage strategies now is advisable, especially if refinancing can reduce long-term costs despite short-term rate fluctuations.

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

On April 29, 2026, 15 Year Fixed FHA Mortgage rates increased by 25 basis points, rising to a current rate of 5.25%, up from 5.00% one week ago but down 24 basis points from 30 days prior. Meanwhile, the 30 Year Fixed FHA Mortgage rate rose by 11.5 basis points week-over-week to 5.49%, though it remains 26 basis points lower than a month ago. These shifts indicate modest upward pressure on borrowing costs for FHA purchase loans, affecting affordability for first-time buyers who rely on government-backed financing. The relative stability over the past month suggests cautious market adjustments rather than volatility. Members should consider locking in fixed-rate options if they prioritize payment predictability or evaluate their purchase timing given recent yield movements. For details, visit https://www.gwcu.org/rates/homeloans.

On April 29, 2026, the 30-year FHA Fixed Purchase mortgage rate stands at 5.625%, marking a 12.5 basis point increase from one week ago and a 25 basis point decrease compared to 30 days prior. This shift reflects moderate volatility in yield spreads impacting government-backed loan costs. For first-time homebuyers relying on FHA programs, the recent uptick may slightly raise monthly payments; however, the month-over-month decline still offers relatively favorable borrowing conditions compared to earlier periods. Members should assess whether locking in current fixed rates aligns with their long-term plans, particularly if they prioritize payment stability amid fluctuating market rates. Evaluating refinancing options remains prudent when potential savings exceed associated fees. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

As of April 29, 2026, 15-year FHA fixed purchase loans maintain a rate of 5.25%, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. This gradual increase raises the cost of borrowing slightly for borrowers prioritizing shorter terms and lower upfront points. Meanwhile, 30-year FHA fixed purchase loans hold steady at 5.375%, with no weekly change and a notable decline of approximately 24.9 basis points over the past month. This reduction improves yield spreads for long-term financing, benefiting first-time buyers aiming for stable monthly payments.

Members should consider locking in fixed-rate options if they prefer payment predictability amid recent fluctuations. Evaluating refinancing opportunities may be prudent where rate drops exceed closing costs, especially for longer-term FHA products.

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

As of April 29, 2026, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but down 50 basis points compared to 30 days prior. This decline reduces the overall cost of borrowing for first-time homebuyers and others eligible for FHA loans, improving affordability without new premium points added (0.75 points). The stable yield supports predictable monthly payments, an important factor for those prioritizing payment consistency amid broader market fluctuations. Members considering home purchases may benefit from locking in these competitive fixed rates now, while those with existing higher-rate loans should evaluate refinancing options to capture potential savings. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

As of April 29, 2026, the 30-year Fixed FHA Purchase Loan remains steady at 5.25% with 1.25 points, reflecting no change over the past week but a decline of 25 basis points compared to 30 days ago. This yield spread reduction lowers the overall cost of borrowing for first-time homebuyers relying on government-backed financing, potentially improving affordability in qualifying markets. While the rate stability this week offers predictability, borrowers should note the recent month-long downward trend signaling modest easing in mortgage costs. Members evaluating their mortgage strategies might consider fixed-rate FHA options if they prioritize payment consistency and protection against future rate volatility. Additionally, assessing refinancing opportunities could be beneficial where savings exceed closing expenses. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

On April 29, 2026, POTLATCH NO. 1 FINANCIAL reports a slight increase in mortgage rates for purchase loans. The 15-Year Fixed Purchase rate rose by 12.5 basis points to 4.875%, matching its level from 15 and 30 days ago but higher than a week prior. Similarly, the 30-Year Fixed Purchase rate increased by 12.5 basis points to 5.375%, holding steady over the past month but up from last week’s yield.

These incremental rises impact borrowing costs for homebuyers, especially those prioritizing longer-term stability with fixed-rate options. First-time buyers may experience modestly higher monthly payments, while homeowners evaluating their mortgage strategy should consider if locking in current fixed rates aligns with their financial goals.

Members are advised to evaluate refinancing opportunities carefully, balancing potential savings against closing costs amid these rate adjustments.

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

As of April 29, 2026, FHA 15-Year Fixed Purchase rates increased by 12.5 basis points, rising to 5.375% from last week’s 5.25%. This represents a slight tightening in borrowing costs for shorter-term FHA buyers, though the rate remains below recent 30-day levels. Meanwhile, the FHA 30-Year Fixed Purchase rate rose by 12.5 basis points to 6.0%, marking a notable increase compared to last week but still down 25 basis points from 30 days ago. These yield shifts suggest a moderate rise in long-term financing costs for FHA borrowers, impacting monthly payments and affordability especially for first-time homebuyers prioritizing longer terms. Members should consider the stability of fixed rates amid short-term volatility and evaluate if locking in current rates aligns with their financial goals. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of April 29, 2026, mortgage rates are trending downward. The 15-Year Fixed Rate Jumbo is now at 5.951%, down 23 basis points from yesterday and 17 basis points lower than a week ago. Similarly, the 30-Year Fixed Rate Jumbo stands at 6.194%, decreasing by 15 basis points in the last day, although it has seen a modest increase of 2 basis points over the past month. Borrowers may benefit from these declining rates, particularly with the notable drop in the 15-Year Fixed Rate Jumbo, which offers the lowest rate currently available. Monitoring these changes can assist borrowers in making informed decisions regarding their mortgage options.

Recent trends in inflation expectations are reflected in the Breakeven Inflation Rates, which suggest stable long-term inflation outlooks. Meanwhile, mortgage rates have shown notable fluctuations: the Mortgage 30Yr Average Rates declined by 5.98 points over the past 60 days, while the Mortgage 30Yr Jumbo Average Rates saw a significant decrease of 0.32 points over the last month. The lowest rate noted is for the Mortgage 30Yr FHA Average Rates at 6.056%, indicating potential affordability challenges for borrowers. As borrowing costs remain sensitive to inflation signals, monitoring these changes is essential for informed financial decisions, particularly for those seeking mortgages in a shifting economic landscape.

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