DATE: Wednesday, November 5th, 2025

TIME:   12:45 PM PST

STATES:  OREGON, WASHINGTON & IDAHO

CHANGE THIS WEEK: WORSE (since last Wednesday with daily volatility)

SUGGESTION:  LOCK 

The government is still shut down, and as we know, it is the most extended shutdown in history, at 36 days.  Some economic reports were released, including the ADP job numbers this morning, which caused some volatility.  The Fed is convinced the employment sector is weakening, and there is still looming uncertainty on inflation.  Given this prolonged shutdown, there is a backlog of reports and unreported data.  If this data is not ‘official’, traders and investors can only rely on estimates.  We anticipate more volatility moving forward, especially when we emerge from this shutdown.  Rates had been improving for several weeks until last week, and today are trending worse again.  We are up about 0.25% from the previous week.  We will continue to monitor and update.

As a reminder, reach out to your VMB Broker and make sure to share and compare! Never settle or let anyone else you know settle on one lender if they are approved elsewhere.  Get a quick second opinion (or share our information with others) comparing the VMB network of wholesale lenders as without competition rates, payments, down payment, and fees are substantially higher. 

MONTHLY PAYMENTS: This reflects Principal and Interest (P&I) on Conventional and also including PMI on FHA. Taxes and insurance not included, but need to be factored in housing payments and budget as these can vary by property. A VMG Mortgage Broker can run an analysis anytime by request.

(rates subject to change)

*Rates are subject to change. Conforming conventional interest rate samples based on a $550,000 purchase price, $412,500 loan amount, 25% down, 760 FICO score, with impounds on a 30-day rate lock period. The affordable programs under Freddie Mac Home Possible and Fannie Mae HomeReady assume a total household income below 80% of the median household income for the area and a FICO score of 760. Samples are based on a $500,000 purchase price with a 5% down payment. Payment estimates include P&I but do not include PMI if applicable, property taxes, or insurance. Super Jumbo rates are based on a 780 FICO Score, a $4,000,000 purchase price, a 25% down payment, and a $3,000,000 loan amount. FHA is based on a $550,000 purchase price, a $530,750 base loan amount, and a 3.5% down payment, with a 740 FICO score, among other similar variables. VA rates are based on a 780 FICO Score, a $550,000 purchase price with $0 down, and a $550,000 base loan amount with a total loan amount of $561,825, assuming no exemption from the VA funding fee. This pricing engine reflects the most favorable results after comparing our network of wholesale lending partners. This pricing engine does not include any other applicable 3rd party title and escrow charges, appraisal, credit report, or prepaid tax and insurance reserves. The displayed annual percentage rates (APRs) include total points and additional prepaid finance charges but do not include other closing costs. Loan pricing can only be locked through a VMB home loan consultant and will take effect after a formal loan application is submitted. Rates will depend in part on your unique credit history and transaction characteristics. Monthly payments include principal and interest but do not include PMI if applicable, taxes, or insurance. This is not a formal Loan Estimate (LE). A Loan Estimate is provided and can be requested pursuant to Federal regulations and with a formal loan application. This information does not constitute a loan commitment or approval.