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First Financial Of Maryland has a 15-year fixed rate at 4.75% and a 30-year fixed rate at 5.875% as of January 12, 2026. Both rates have stayed steady over the past month. If you’re considering a fixed mortgage, these rates give a clear picture of current costs. Coast Central offers a 30-year conventional fixed mortgage at 4.75% today, unchanged from one week and one month ago. Affinity offers a 15-year fixed conventional loan at 5.125% and a 30-year fixed conventional loan at 5.75%. Their 3-year ARM is priced at 4.375%, the 5-year ARM at 4.5%, and the 7-year ARM at 4.75%, all unchanged from recent weeks. These rates provide options for both shorter and longer fixed terms, as well as adjustable-rate mortgages.

Aloha Pacific offers a 15-year conventional fixed rate at 4.5% and a 30-year conventional fixed rate at 5.0%, both unchanged from recent weeks. Their 30-year jumbo fixed rate is steady at 5.25%. First Community offers a 15-year Conventional Fixed rate at 4.75% and a 30-year Conventional Fixed rate at 5.625%. Their 30-year FHA Fixed and VA Fixed loans are both at 5.375%, while the 30-year Jumbo Fixed rate is 5.75%. These rates have stayed steady over recent weeks.

Vantage offers a 15-year conventional fixed rate at 4.75% and a 30-year conventional fixed rate at 5.5%. They also have adjustable rates with a 7-year ARM at 5.75% and a 10-year ARM at 5.875%. These rates have stayed steady over the past month. Sierra Central offers a 30-year conventional fixed rate today at 5.25%, down 25 bp from a week ago and 38 bp from 30 days ago. The 5-year adjustable rate is steady at 5.25%. Houston offers a 15-year conventional fixed rate at 4.875%, down 50 bp from last week, and a 30-year conventional fixed rate at 5.75%, down 38 bp over the same period. Both rates have improved since mid-December, holding steady from last week. These rates reflect recent easing in mortgage costs for fixed loans.

Hudson Valley offers a 15-year conventional fixed rate at 5.25%, down 13 bp from last week. The 30-year conventional fixed rate is 5.875%, down 25 bp in the past week and 13 bp over the last month. Jumbo 30-year fixed loans are at 5.875%, down 13 bp from last week. Adjustable 5-year, 7-year, and 10-year ARMs range from 4.625% to 5.125%, each down 25 to 50 bp over the last 30 days. San Francisco Fire offers a 15-year conventional fixed rate today at 4.875%, down 13 bp from a week ago. The 30-year conventional fixed rate is 5.5%, also down 13 bp in the last 7 days. Jumbo 30-year fixed loans are priced at 5.375%, reflecting the same 13 bp decline. Adjustable rates for 5, 7, and 10 years range from 5.375% to 5.625%, with the 7- and 10-year terms down 13 bp over 30 days.

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