August 4, 2026 | VA Fixed Purchase Loans at 5.25% | Steady Rates for Buyers

As of August 4, 2026, VA Loans Fixed-Rate Purchase products show steady mortgage rates at 5.25% for the 15-year term and 5.625% for the 30-year term. The 15-year VA loan rate increased by 12 basis points over the past 30 days, indicating a modest rise in borrowing costs for shorter-term fixed loans, while the 30-year VA rate remained unchanged week-over-week and month-over-month. These stable yield spreads suggest consistent market conditions impacting veterans and active-duty buyers seeking long-term financing options. For members prioritizing predictability, the 15-year fixed VA loan at 5.25% remains the lowest rate available today, albeit with a slight uptick recently. Evaluating refinancing options may be prudent if current rates offer meaningful savings relative to existing loan terms.

For details, visit https://www.cu1.org/rates#real-estate-rates.

As of August 4, 2026, VA 15-Year Fixed Purchase loans offer the lowest rate at 5.5%, down 12.5 basis points from last week but up 25 basis points compared to a month ago. Similarly, the VA 30-Year Fixed Purchase rate stands at 6.0%, also decreasing by 12.5 basis points over seven days while increasing by 25 basis points since 30 days prior. These shifts indicate moderate short-term easing in borrowing costs for veterans seeking fixed-rate mortgages, although yields remain elevated relative to last month’s levels. For members prioritizing payment stability, the 15-year VA fixed option presents a lower yield spread and potentially faster equity accumulation despite slightly higher monthly payments. Veterans evaluating purchase timing or mortgage strategy should consider these nuanced rate movements carefully when projecting long-term affordability.

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

As of August 4, 2026, HANSCOM members looking at VA fixed-rate mortgages will note that the 15-year VA purchase rate stands at 5.75%, down by 12.5 basis points from last week but up slightly by 12.5 basis points compared to 30 days ago. This decline in short-term yields can lower the cost of borrowing for veterans seeking quicker loan payoff options. Meanwhile, the 30-year VA fixed purchase rate remains steady at 6.50%, unchanged over the past week but increased by 25 basis points month-over-month, indicating higher long-term yield spreads that could impact monthly payments for those prioritizing extended terms.

For veterans and first-time buyers weighing their mortgage strategies, these movements suggest considering fixed-rate loans if stability is a priority, particularly given recent volatility in longer terms. Additionally, evaluating refinancing options might be prudent where interest savings exceed associated costs.

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

As of August 4, 2026, Navy Federal Credit Union reports stable rates for the VA 15 Year Fixed Purchase mortgage at 5.50%, unchanged from one week ago but up 25 basis points compared to 30 days prior. This consistency benefits borrowers seeking predictable short-term financing, especially veterans aiming for faster equity buildup. Conversely, the VA 30 Year Fixed Purchase rate has decreased significantly by 112.5 basis points over the past week to 5.875%, despite a modest increase of 25 basis points relative to 30 days ago. This reduction lowers long-term borrowing costs for veterans prioritizing lower monthly payments over loan duration.

Members should evaluate whether a shorter-term fixed rate suits their financial goals or if locking in current longer-term rates could optimize cost efficiency. Given these movements, consider fixed-rate options if stability is key or assess refinancing opportunities when savings exceed associated expenses.

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

On August 4, 2026, the 30-year Fixed VA Loan purchase rate remains steady at 5.75%, unchanged over the past week but up 37.5 basis points compared to 30 days ago. This yield spread increase reflects rising borrowing costs for veterans seeking to purchase homes with government-backed financing. While stable week-over-week, the month-to-month uptick may influence affordability for first-time veteran buyers assessing long-term fixed-rate commitments. Members considering a VA loan purchase should weigh the current rate environment against their financial plans, particularly if they prioritize payment predictability amid moderate rate increases. Evaluating fixed-rate options now can provide clarity on cost stability and help in planning mortgage strategies effectively.

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

On August 4, 2026, 15-Year Fixed Purchase mortgage rates are at 5.25%, marking a 12.5 basis point decrease from last week and holding steady compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate stands at 5.75%, also down by 12.5 basis points over seven days and unchanged month-over-month. These shifts reflect subtle yield spread adjustments impacting the cost of borrowing. For members prioritizing lower monthly payments and longer-term stability, the 30-year fixed rate remains consistent despite recent volatility. Conversely, buyers seeking faster equity buildup may benefit from the current lower 15-year fixed rate. Evaluating these rates in light of your financial horizon is essential; consider fixed-rate options if stability is critical or assess refinancing opportunities when savings outweigh associated costs. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of August 4, 2026, 15-year fixed purchase mortgage rates remain steady at 5.75%, unchanged from last week but up 50 basis points compared to a month ago. Meanwhile, the 30-year fixed purchase rate holds at 6.50%, also flat over seven days with a similar 50 basis point increase versus 30 days prior. These rate trends indicate a rising cost of borrowing over the past month, which may impact first-time buyers and those locking in long-term financing. Members prioritizing payment stability might consider the 15-year fixed option at 5.75%, currently the lowest rate available, to minimize interest expense over time. Given recent yield spreads, evaluating refinancing strategies could be beneficial if projected savings outweigh transaction costs. For details, visit https://www.sccu.com/personal/consumer-rates#mortgage.

As of August 4, 2026, the 30-Year Fixed Purchase mortgage rate remains steady at 5.625%, showing no change over the past week or month. This stability indicates consistent yield spreads and borrowing costs for homebuyers locking in long-term financing. For first-time purchasers, this rate provides predictability in monthly payments without exposure to rate fluctuations typical of adjustable products. Veterans and borrowers considering refinancing will find that the absence of recent movement suggests limited immediate savings opportunities through rate shifts. Members prioritizing payment certainty should consider fixed-rate options given the current market steadiness. Evaluating your mortgage strategy with this stable benchmark can help determine if pursuing a purchase or refinance aligns with your financial goals. For details, visit https://www.useagle.org/rates/home-mortgage-rates.

As of August 4, 2026, VA 15-Year Fixed Purchase loans maintain the lowest rate at 5.625%, unchanged from last week but up 25 basis points versus 30 days ago. Meanwhile, the VA 30-Year Fixed Purchase rate rose by 12.5 basis points over the past week to 6.375%, marking a 37.5 basis point increase compared to one month prior. These upward yield spreads indicate a modest rise in the cost of borrowing for veterans seeking longer-term financing.

First-time buyers and veterans aiming for shorter terms benefit from stable rates on the 15-year option, which may provide predictable payments and faster equity build-up. Those considering the 30-year fixed should evaluate whether locking in current rates aligns with their long-term financial strategy amid recent increases.

Members are advised to consider fixed-rate programs if they prioritize payment stability and to assess refinancing only if projected savings surpass associated costs.

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

As of August 4, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo has decreased to 6.196%, down by 0.10 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains unchanged at 6.453%. Over the past week, the 30-Year Fixed Rate Jumbo saw a decline of 0.09 basis points, indicating slight easing in borrowing costs for some borrowers. However, in the last month, there has been an increase of 0.22 basis points in the 30-Year Fixed Rate Jumbo, suggesting a potential upward trend in long-term borrowing expenses. Borrowers should carefully consider these rate movements as they evaluate their financing options and overall cost of borrowing.

Current inflation expectations, as indicated by the Breakeven Inflation Rates, are stable, with the 10-Year Rate at 2.270 and the 5-Year Rate at 2.230. These rates impact mortgage rates, which remain notably elevated; for example, the Mortgage 30Yr Average Rate has decreased significantly by 6.43 points over the past 30 days, now at a high of 6.430. Conversely, the Mortgage 30Yr Usda Average Rate experienced a slight decrease of 0.08 points in the last week. Borrowers should consider these fluctuations when assessing their borrowing costs and refinancing options, particularly given the current economic environment where inflation expectations and mortgage rates play critical roles in financial planning.

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