June 23, 2026 | Lowest VA Fixed Loan Rate Holds at 5.13% | Stability for Veterans

As of June 23, 2026, CREDIT UNION 1 reports stable mortgage rates for VA Loans. The 15-year fixed VA loan maintains the lowest rate at 5.125%, unchanged over the past 7 and 30 days, reflecting steady borrowing costs for veterans seeking shorter-term financing. Similarly, the 30-year fixed VA loan holds firm at 5.625%, with no rate movement in recent weeks, offering predictability for those prioritizing long-term fixed payments. This rate stability suggests limited yield spread volatility in government-backed veteran loans, benefiting members evaluating purchase or refinance options without concern for rising interest expenses. Members should consider their loan term preferences carefully; fixed-rate VA products continue to provide transparent cost structures, enabling informed decisions aligned with financial goals. For details, visit https://www.cu1.org/rates#real-estate-rates.

On June 23, 2026, VA 15-Year Fixed Purchase loans hold the lowest rate at 5.375%, unchanged from one week ago but down 25 basis points compared to 30 days prior. Similarly, the VA 30-Year Fixed Purchase rate remains steady at 5.875%, also reflecting a 25-basis-point decline over the past month. These stable yields suggest a slight easing in borrowing costs for veterans seeking long-term financing. First-time buyers and those prioritizing predictable payments may benefit from locking in these fixed rates now to mitigate future market volatility. Given this context, members should evaluate their mortgage strategies carefully; considering fixed-rate options if stability is a priority or exploring refinancing opportunities when potential savings exceed associated costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of June 23, 2026, HANSCOM credit union reports stable mortgage rates for veteran borrowers. The 15-year Fixed VA Purchase loan remains at a competitive 5.625%, unchanged over the past week and month, representing the lowest rate among available VA products. Meanwhile, the 30-year Fixed VA Purchase loan holds steady at 6.25%, with no change in the last seven days but a modest decline of 12.5 basis points compared to 30 days ago. These stable yield spreads indicate a consistent cost of borrowing for veterans seeking long-term home financing or purchase options. First-time buyers and refinancing members should assess whether locking in current fixed rates aligns with their financial goals; those prioritizing predictability may find value in fixed-rate VA loans. Consider evaluating refinancing if potential savings exceed associated costs.

For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

As of June 23, 2026, VA 15 Year Fixed Purchase loans hold the lowest rate at 5.25%, unchanged over the past week but up 12.5 basis points compared to 30 days ago. This steady yield suggests stable borrowing costs for veterans seeking shorter-term financing. Conversely, the VA 30 Year Fixed Purchase loan rate has decreased significantly by 112.5 basis points in the last week to 5.625%, a notable easing from recent highs. This decline improves affordability for members targeting long-term homeownership and may warrant consideration for new purchases or refinancing strategies. Members prioritizing payment stability should weigh fixed-rate options carefully, while those aiming to reduce monthly obligations might evaluate these shifts against their financial goals. Consider refinancing if potential savings exceed transaction expenses.

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

On June 23, 2026, the 30-year Fixed VA Loan for Purchase registered a rate of 5.50% with 1.375 points, marking a decline of 12.5 basis points compared to one week ago and a larger decrease of 25 basis points relative to 30 days prior. This reduction in yield spreads signals a modest easing in the cost of borrowing for veterans seeking home purchases. For members considering VA loans, especially first-time buyers and veterans, this trend may enhance affordability by lowering monthly payments and total interest expense over the loan term. Given these shifts, evaluating fixed-rate options could provide rate stability amid fluctuating markets. Members should assess their mortgage strategy and consider refinancing if potential savings exceed associated costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

On June 23, 2026, POTLATCH NO. 1 FINANCIAL reports an uptick in mortgage rates for fixed-rate purchase loans. The 15-Year Fixed Purchase rate rose by 12.5 basis points to 5.25%, marking a modest increase from last week but stable compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate increased by 12.5 basis points to 5.75%, remaining flat over the past month. These shifts reflect a slight rise in yield spreads and indicate a higher cost of borrowing for fixed-rate options.

For first-time homebuyers and those prioritizing payment predictability, the 15-Year Fixed remains the lowest rate available, though recent increases suggest evaluating long-term affordability carefully. Prospective buyers opting for the 30-Year Fixed should consider how these incremental changes impact overall interest expense.

Members considering refinancing should analyze whether current rates justify transaction costs; fixed-rate loans continue to offer stability amid modest volatility. Consider your mortgage strategy with attention to these nuanced rate movements.

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

As of June 23, 2026, 15-year fixed purchase mortgages hold the lowest rate at 5.375%, unchanged over the past week but down by 25 basis points compared to 30 days ago. The 30-year fixed purchase mortgage rate remains steady at 6.125%, also unchanged week-over-week and decreased by 25 basis points from a month prior. These stable rates suggest minimal short-term yield spread fluctuations, preserving borrowing costs for homebuyers.

For members prioritizing payment stability, especially first-time buyers, the consistent 15- and 30-year fixed rates offer predictable budgeting advantages. Those considering refinancing should evaluate if locking in current rates can reduce long-term interest expenses given the recent downward trend over 30 days.

Given these dynamics, members are advised to carefully assess their mortgage strategy, factoring in fixed-rate options for cost certainty and exploring refinancing if projected savings justify associated fees.

For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.

As of June 23, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, showing no change over the past 7 or 30 days. This stability in rates translates to consistent borrowing costs for members seeking to purchase a home with fixed-rate financing. First-time buyers can rely on predictable monthly payments, while homeowners considering refinancing will see no immediate financial incentive from rate fluctuations. Given this flat yield environment, members who prioritize payment certainty should consider fixed-rate options. For those evaluating refinancing, it is advisable to assess whether potential savings outweigh closing costs in the current rate climate. For details, visit https://www.useagle.org/rates/home-mortgage-rates.

As of June 23, 2026, VA 15-Year Fixed Purchase and VA 30-Year Fixed Purchase mortgage rates have both increased by 12.5 basis points compared to last week. The 15-year VA fixed rate now stands at 5.375%, while the 30-year VA fixed rate is 6.125%, with the shorter-term option currently offering the lowest yield among available VA products. Compared to 30 days ago, these rates are down by approximately 12.5 basis points, reflecting a modest easing in borrowing costs over the past month despite recent upticks.

For veterans and first-time buyers considering purchase loans, this rise implies a slight increase in monthly payments and total interest expense. Those valuing payment stability may find the fixed-rate terms advantageous amid fluctuating yields. Evaluating mortgage strategies with these rate movements in mind can help members optimize long-term financing costs.

Consider reviewing your options carefully; if refinancing aligns with your financial goals and the cost-benefit analysis is favorable, it may be timely to act.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of June 23, 2026, mortgage rates for 15-Year Fixed Rate Jumbo loans have decreased to 6.211%, down by 3 basis points from yesterday and 15 basis points from a week ago. Conversely, the 30-Year Fixed Rate Jumbo has also seen a slight decline to 6.379%, reflecting a decrease of 2 basis points over the last day but an increase of 26 basis points over the past month. Overall, rates are trending downward for both products; however, borrowers should consider the modest fluctuations when evaluating their borrowing costs. The current environment suggests potential opportunities for refinancing or purchasing, particularly with the lowest rate available being the 15-Year Fixed Rate Jumbo at 6.211%.

As of today, the Breakeven Inflation Rate 10Yr stands at 2.230, reflecting stable inflation expectations that influence borrowing costs and mortgage rates. The 30-Year Average Rates for mortgages have seen a significant decline of 6.51 points over the past month, with the lowest mortgage rate recorded at 6.141 for VA loans, indicating potential savings for borrowers. In contrast, the Breakeven Inflation Rate 5Yr decreased by 0.08 points in the last week, signaling shifting market sentiment. These fluctuations highlight the relationship between inflation expectations and borrowing costs; lower mortgage rates may encourage home buying activity while maintaining a close watch on inflation trends remains essential for long-term financial planning.

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