Traditional & Non-Traditional Mortgage Solutions

MORTGAGE RATES: WEEK OF 11/24/2025 

🏠 FHA: 5.5% Rate (APR ~5.62%)

FHA allows as little as 3.5% down up to a $1.2M loan amount.

📄 Conforming: 5.99% Rate (APR ~6.235%)

Conforming allows as little as 3% down up to $806k, or 5% down up to $1.2M loan amount.

🏦 Jumbo 7/ARM: 5.375% Rate (APR ~5.71%)

Jumbo loans are required above $1.2M, but rates can be more competitive with strong credit/reserves.

🧾 Bank Statement Loan: 6.5% Rate (APR ~6.762%)

Perfect for self-employed borrowers who can’t qualify with tax returns.

What is APR? APR is the all-in cost of a loan (interest rate + fees). Keep in mind, only the interest rate determines your monthly payment. Basically, APR is how lenders communicate the cost of a loan so you can compare between lenders. 

WHAT TO LOOK FOR THIS WEEK:

1. Rates didn’t budge.
No swings, no surprises. 

2. No inflation report = no movement.
The government cancelled October’s CPI, which is the #1 thing that moves mortgage rates. So the market basically froze.

3. Good news: stability.
Sellers aren’t panicking, buyers aren’t getting priced out overnight, and lenders aren’t repricing every five minutes.

4. The real action hits in December.
That’s when fresh inflation data lands and that’s when rates can finally break out of this holding pattern.

Derek Vail | NMLS #1233953 | Equal Housing Lender