May 13, 2026 | 4.875% Fixed Conventional Mortgage Rate Holds Steady

On May 13, 2026, CREDIT UNION WEST reports stable mortgage rates for fixed-rate purchase loans. The 30-year fixed purchase loan remains unchanged at 5.49% with 1.75 points, reflecting no change over the past week and month. Conversely, the 15-year fixed purchase loan increased by 12.5 basis points from last week to 5.50%, marking a notable 25 basis points rise compared to 30 days ago, with points at 0.75.

For members prioritizing long-term payment stability, the steady rate on the 30-year fixed loan provides predictable borrowing costs despite broader market fluctuations. Meanwhile, those considering shorter terms face higher yields, which could affect monthly affordability and total interest paid.

Evaluate your mortgage strategy accordingly; consider fixed-rate options if you value consistent payments or assess refinancing possibilities when potential savings exceed transaction costs. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of May 13, 2026, FHA 15-Year Fixed Purchase mortgage rates remain steady at 5.25%, unchanged over the past week but up by 12.5 basis points compared to 30 days ago. This rate stability benefits buyers seeking shorter-term loans with predictable payments and lower overall interest costs. Meanwhile, the FHA 30-Year Fixed Purchase rate has decreased by 12.5 basis points week-over-week to 5.75%, maintaining a flat yield spread relative to one month prior. This reduction lowers borrowing costs for buyers prioritizing long-term affordability and monthly payment consistency.

Members aiming for home purchase financing should evaluate their loan term preferences carefully; those valuing payment stability might favor fixed-rate options amid slight market fluctuations. Considering current trends, potential borrowers could assess whether locking in a fixed rate aligns with their financial goals, especially if planning longer-term homeownership.

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

On May 13, 2026, 15 Year Fixed Purchase mortgage rates remain steady at 5.5%, unchanged from one week ago. This rate is the lowest available today, reflecting a stable borrowing cost for members seeking shorter-term fixed loans. Meanwhile, the 30 Year Fixed Purchase mortgage holds at 5.875%, also unchanged over seven days, maintaining higher yield spreads compared to the 15-year option.

For borrowers prioritizing predictability and lower overall interest expense, the 15 Year Fixed offers cost efficiency despite higher monthly payments. First-time buyers may weigh longer terms for cash flow flexibility, though at a slightly increased long-term cost with the 30 Year Fixed option.

Given these stable rates, members should evaluate their mortgage strategies based on term preference and refinancing potential. Consider fixed-rate loans if you value payment stability; assess refinancing only if projected savings exceed associated costs.

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

As of May 13, 2026, the 15 Year Fixed FHA Mortgage rate remains steady at 5.25%, unchanged from one week and one month ago, representing a stable borrowing cost for borrowers seeking shorter-term government-backed financing. Conversely, the 30 Year Fixed FHA Mortgage rate has declined by 11.5 basis points over the past seven days to 5.375%, maintaining the same level as 30 days prior. This modest yield spread reduction may slightly improve affordability for long-term buyers opting for fixed payments.

For first-time buyers prioritizing lower monthly payments, the stable 15-year FHA fixed rate at 5.25% offers predictable costs without recent volatility. Those considering longer terms should note the recent downward adjustment in the 30-year FHA fixed rate, potentially reducing total interest expenses over time.

Members are advised to assess their mortgage strategy carefully; those valuing payment stability might consider locking in current fixed rates, while others could explore refinancing opportunities if potential savings surpass associated fees. For details, visit https://www.gwcu.org/rates/homeloans.

As of May 13, 2026, the 30-year FHA Fixed Purchase mortgage rate stands at a notable low of 5.75%, down 12.5 basis points from last week. This decline slightly reduces the cost of borrowing for first-time buyers and other FHA-eligible members, improving affordability amid recent market fluctuations. Compared to 30 days ago, rates are up by 12.5 basis points, indicating some recent yield spread tightening.

For members prioritizing payment stability, the fixed-rate FHA product remains a reliable choice despite moderate month-over-month increases. Evaluating your mortgage strategy with current trends in mind can help identify opportunities to lock in favorable terms or assess refinancing viability, especially if long-term savings surpass associated costs.

For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

On May 13, 2026, 15-year FHA fixed purchase loans remain steady at a competitive 5.25%, matching last week’s rate with no change in yield spread. This stability supports borrowers seeking predictable payments over a shorter term, benefiting those prioritizing faster equity build-up. Conversely, the 30-year FHA fixed purchase loan increased by 12.5 basis points to 5.50%, reflecting rising borrowing costs compared to seven days ago and a similar increase over the past 30 days. This shift may impact first-time buyers balancing affordability with long-term commitments.

Members should assess whether locking in a fixed-rate mortgage aligns with their financial goals amid these modest rate fluctuations. For those considering a longer term, evaluating refinancing strategies could be prudent if potential savings exceed associated costs.

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

On May 13, 2026, the 30-Year FHA Fixed Purchase mortgage rate stands at 5.375%, marking a 12.5 basis points decrease from last week and a 25 basis points decline over the past 30 days. This downward movement reduces the cost of borrowing for eligible buyers, notably first-time homebuyers who rely on FHA-backed loans for lower down payments and more flexible credit requirements. The narrowing yield spread enhances affordability, potentially improving monthly payment stability despite broader market fluctuations. Members considering home purchases should evaluate fixed-rate options to lock in these favorable terms amid recent rate declines. For those with existing FHA loans or planning to purchase, reviewing refinancing alternatives may offer additional savings if transaction costs are justified. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

On May 13, 2026, the 30-year Fixed FHA Purchase Loan rate remains steady at 5.375%, unchanged from one week ago but up by 12.5 basis points compared to 30 days prior. This slight increase in yield spread suggests a modest rise in the cost of borrowing for first-time buyers relying on government-backed financing. Veterans and borrowers seeking refinance options should note this stability, as it preserves predictability in monthly payments under fixed terms. Given the current rate environment, members prioritizing payment consistency may consider locking in fixed-rate FHA loans now. Additionally, evaluating refinancing opportunities remains prudent if potential savings exceed associated costs amid these recent rate shifts. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of May 13, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.875%, holding the lowest yield among today’s options with no change over the past 7 and 30 days. This stability supports borrowers prioritizing shorter terms and lower total interest costs. Meanwhile, the 30-Year Fixed Purchase rate is unchanged at 5.49% from last week but has risen by 11.5 basis points compared to 30 days ago, indicating a modest increase in long-term borrowing costs for buyers seeking extended repayment periods. For members weighing fixed-rate loans, the consistent 15-year fixed rate may offer predictable payments and faster equity build-up; however, those opting for longer terms should monitor yield spreads closely. Consider your mortgage strategy carefully, evaluate fixed-rate options if stability is key or assess refinancing potential when cost savings surpass associated fees. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of May 13, 2026, 15-Year Fixed Rate Purchase loans remain steady at 5.5%, showing no change over the past 7 and 30 days. Similarly, the 30-Year Fixed Rate Purchase loans hold firm at 5.875%, with stable yields this week and month. These unchanged rates indicate consistent borrowing costs for members seeking long-term fixed-rate financing. First-time buyers and those prioritizing predictable payments can rely on these stable yields to plan their budgets effectively. Given the current rate environment, members may benefit from evaluating fixed-rate options for stability or considering refinancing if potential savings outweigh associated costs. For details, visit https://wsecu.org/loans/mortgage-purchase.

As of May 13, 2026, mortgage rates are generally down, providing potential borrowers with a favorable cost of borrowing. The 15-Year Fixed Rate Jumbo decreased to 6.132%, a reduction of 40 basis points from yesterday, while the 30-Year Fixed Rate Jumbo is now at 6.315%, down by 22 basis points in the same period. Over the past week, the 15-Year Fixed Rate Jumbo saw a slight increase of 2 basis points, indicating some volatility. However, compared to 30 days ago, both products show a decrease; the 15-Year Fixed Rate Jumbo fell by 17 basis points and the 30-Year Fixed Rate Jumbo dropped by 4 basis points. Borrowers may find these lower rates beneficial for long-term financing decisions.

As of May 13, 2026, breakeven inflation rates for both 10-year and 5-year horizons are stable, indicating steady inflation expectations. However, mortgage rates show significant shifts; the Mortgage 30Yr FHA Average Rates dropped by 6.12 points over the past week and 6.08 points over the past month, reflecting increased borrowing costs for homebuyers. The lowest mortgage rate reported is 5.973% for the 30Yr VA Average Rates. These movements suggest a potential tightening in lending conditions, as declining rates may signal an attempt to stimulate borrowing amidst fluctuating economic sentiments. Borrowers should closely monitor these trends to make informed financial decisions regarding home financing options.

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