New American Funding Mortgage Rates in 2025: What Borrowers Should Know

When it comes to buying a home in 2025, one of the biggest questions borrowers have is: what are mortgage rates doing right now? If you’re considering New American Funding (NAF) for your next loan, understanding their rates, how they compare to the national average, and what options exist is key to saving money over the life of your mortgage.

This guide breaks down New American Funding mortgage rates in 2025, explains the current housing market, and highlights what borrowers in the United States should watch for before signing a loan.

Mortgage Rate Trends in 2025

The U.S. housing market has been on a rollercoaster for the last few years. After hitting historic highs in 2022–2023, mortgage rates have gradually cooled. By September 2025:

• 30-year fixed mortgage rates nationwide are hovering in the 6.5% range, their lowest levels in almost a year.

• 15-year fixed mortgages are trending closer to 5.5%, appealing to homeowners looking to refinance quickly.

• Analysts predict that while rates may dip slightly lower if the Federal Reserve cuts rates, they are unlikely to fall below 6% for 30-year loans this year.

This moderation is great news for buyers who sat on the sidelines during the high-rate era.

New American Funding Current Rates

As of early September 2025, New American Funding advertises competitive rates compared to the national average. Their published rates include:

• 30-Year Fixed: 5.750% (APR: 6.054%)

• 15-Year Fixed: 5.250% (APR: 5.755%)

• FHA 30-Year Fixed: 5.375% (APR: 6.568%)

• VA 30-Year Fixed: 5.375% (APR: 6.012%)

These numbers place NAF slightly below many large lenders, making them an attractive choice for buyers who want both affordability and a range of loan products.

How New American Funding Compares

When shopping for a mortgage, comparing rates is critical. New American Funding positions itself as a mid-sized lender offering personalized service, but how do they stack up?

• Vs National Average: NAF’s 30-year fixed rate is around 0.5% lower than the U.S. average.

• Vs H&R Block Home Loans: Competitors may advertise similar base rates but often have higher fees.

• Vs Online Lenders (like Rocket Mortgage): NAF tends to be more flexible with credit profiles and down payments, especially for first-time buyers.

Borrowers with excellent credit can sometimes get even better offers if they negotiate directly.

Loan Programs Offered

New American Funding doesn’t just stick to standard conventional loans. In 2025, they provide:

• Conventional fixed-rate loans (15- and 30-year)

• Adjustable-Rate Mortgages (ARMs) for those wanting lower initial payments

• FHA loans for buyers with smaller down payments

• VA loans with reduced costs for veterans and active-duty service members

• Jumbo loans for high-value homes in expensive markets

This variety helps buyers match their financial situation with the right product.

What’s Driving Mortgage Rates in 2025?

Mortgage rates don’t move randomly—they’re tied to broader financial markets. Here’s what’s shaping the outlook this year:

1. Federal Reserve Policy – If the Fed cuts rates to stimulate the slowing economy, mortgage rates could dip slightly further.

2. Bond Market – The 10-year U.S. Treasury yield heavily influences long-term mortgage pricing.

3. Inflation Data – Softer inflation has given rates room to come down compared to 2023 highs.

4. Housing Supply – As more inventory hits the market, prices stabilize, making lower rates even more impactful.

What Borrowers Should Know Before Applying

Before locking in a mortgage with New American Funding in 2025, keep these tips in mind:

• Check Your Credit Score: The best rates go to those with 740+ credit scores.

• Compare Lenders: Even if NAF looks competitive, get at least 2–3 quotes for leverage.

• Consider Refinancing: If you bought at 7%+ in 2023, refinancing now could save thousands.

• Understand Fees: Always compare APR, not just interest rate, since fees can make a huge difference.

• Think Long-Term: A slightly higher fixed rate may be safer than an ARM if you plan to stay in your home for decades.

Mortgage Rate Outlook for the Rest of 2025

Most housing experts predict mortgage rates will stay between 6% and 6.75% for 30-year loans. Some temporary dips may occur, but don’t expect a return to the ultra-low 3% rates of the pandemic era.

For buyers, that means:

• Now is a reasonable time to buy, since waiting may not bring much relief.

• Refinancers should act when rates are at least 1% lower than their current loan.

• Veterans and FHA borrowers should watch NAF’s special programs for potential savings.

📌 Key Takeaways

• New American Funding’s 30-year fixed mortgage rate is 5.75%, lower than many competitors.

• National mortgage rates are down to 11-month lows, giving buyers and refinancers fresh opportunities.

• Borrowers should focus on credit, loan type, and APR when choosing a mortgage.

• Rates are unlikely to fall below 6% in 2025, so waiting may not pay off.

✅ Bottom line: If you’re considering a mortgage in 2025, New American Funding offers competitive rates and a variety of loan options. But smart borrowers should always compare quotes, read the fine print, and lock in when the rate fits their budget and long-term plans.