Rates & Calculators
Mortgage Purchase Rates for December 15, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.890% | 6.455% |
| 3/1 ARM (30 year) | 5.690% | 6.525% |
| 5/1 ARM (15 year) | 5.690% | 6.187% |
| 3/1 ARM (15 year) | 5.590% | 6.357% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Low Cost Fixed Rate | 6.390% | 6.397% |
| 30 Year Low Cost Fixed Rate | 6.690% | 6.722% |
| 30 Year Low Cost Fixed Rate | 6.240% | 6.256% |
| 30 Year Low Cost Fixed Rate | 6.390% | 6.394% |
| 15 Year Low Cost Fixed Rate | 5.790% | 5.801% |
| 15 Year Low Cost Fixed Rate | 6.090% | 6.141% |
| 15 Year Low Cost Fixed Rate | 5.640% | 5.666% |
| 15 Year Low Cost Fixed Rate | 5.790% | 5.796% |
| 10 Year Low Cost Fixed Rate | 5.790% | 5.805% |
| 5/1 ARM (30 year) Low Cost | 6.190% | 6.533% |
| 5/1 ARM (30 year) Low Cost | 6.690% | 6.758% |
| 5/1 ARM (30 year) Low Cost | 6.240% | 6.562% |
| 5/1 ARM (30 year) Low Cost | 6.190% | 6.530% |
| 3/1 ARM (30 year) Low Cost | 5.990% | 6.560% |
| 3/1 ARM (30 year) Low Cost | 6.490% | 6.714% |
| 3/1 ARM (30 year) Low Cost | 6.040% | 6.581% |
| 3/1 ARM (30 year) Low Cost | 5.990% | 6.556% |
| 5/1 ARM (15 year) Low Cost | 5.990% | 6.301% |
| 5/1 ARM (15 year) Low Cost | 6.490% | 6.644% |
| 5/1 ARM (15 year) Low Cost | 6.040% | 6.346% |
| 5/1 ARM (15 year) Low Cost | 5.990% | 6.295% |
| 3/1 ARM (15 year) Low Cost | 5.890% | 6.411% |
| 3/1 ARM (15 year) Low Cost | 6.390% | 6.655% |
| 3/1 ARM (15 year) Low Cost | 5.940% | 6.446% |
| 3/1 ARM (15 year) Low Cost | 5.890% | 6.405% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.090% | 6.113% |
| 30 Year Fixed Rate | 5.890% | 5.999% |
| 30 Year Fixed Rate | 5.890% | 5.944% |
| 30 Year Fixed Rate | 6.125% | 6.138% |
| 15 Year Fixed Rate | 5.490% | 5.528% |
| 15 Year Fixed Rate | 5.290% | 5.470% |
| 15 Year Fixed Rate | 5.290% | 5.380% |
| 15 Year Fixed Rate | 5.590% | 5.612% |
| 10 Year Fixed Rate | 5.440% | 5.549% |
| 10 Year Fixed Rate | 5.440% | 5.472% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.125% | 6.138% |
| 10 Year Fixed Rate | 5.440% | 5.472% |
| 15 Year Fixed Rate | 5.590% | 5.612% |
| 5/1 ARM (30 year) | 5.890% | 6.422% |
| 3/1 ARM (30 year) | 5.690% | 6.490% |
| 5/1 ARM (15 year) | 5.690% | 6.133% |
| 3/1 ARM (15 year) | 5.590% | 6.302% |
Mortgage Purchase Calculators
For more than 85 years, Third Federal has been a leading mortgage lender. Our mortgage rates are among the lowest. And now with our Lowest Rate Guarantee program, if you find a lower purchase mortgage rate, we’ll beat it or pay you $1,000.
Here’s how it works:
- Find a lower rate than ours? We’ll beat it or pay you $1,000.
- Simply provide us with the other lender’s advertisement, webpage, email, rate sheet, or other documentation of mortgage rates.
- In most cases, you’ll have a rate decision the same day.
Mortgage Purchase Calculators
No matter what kind of mortgage you’re looking for, we have a variety of helpful calculators to take some of the guesswork out of your decision.
