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Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.
Credit Union Loan Rates - Trends & Analysis:
Eecu offers a 15-year fixed mortgage at 4.0% and a 30-year fixed at 4.5%, both unchanged from recent weeks. These rates have been steady since late July. If you want a fixed loan, these are the current options from this credit union. Houston shows a 15-year conventional fixed rate at 5.125% and a 30-year conventional fixed rate at 5.875%, both unchanged from recent weeks. These steady rates give a clear picture for buyers considering fixed loans in these terms.
Security Service offers a 15-year conventional fixed rate at 5.25% and a 30-year conventional fixed rate at 6.0%. The 30-year jumbo fixed rate is also 6.0%, while the FHA 30-year fixed rate stands at 7.5%. Additionally, the 30-year VA fixed rate is 7.125%, and the 10-year adjustable fixed rate is 5.875%. East Texas Professional offers 15-year fixed loans at 6.375% and 30-year fixed loans at 6.75%, both unchanged from recent weeks. Their 5-year ARM is steady at 5.25%, while the 10-year ARM holds at 6.0%. Rates remain stable across all terms today.
Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks. Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago.
First Community offers a 15-year and 30-year conventional fixed mortgage at 5.5% and 6.375%, respectively. The FHA and VA 30-year fixed rates are steady at 5.99%. Jumbo 30-year fixed loans are at 6.5%. Rates have held steady over the past week and month. Fivepoint offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.0%, both unchanged from recent weeks. These steady rates provide clear options for borrowers considering shorter or longer fixed mortgage terms.
Neches offers a 15-year and 30-year conventional fixed mortgage at 5.5% and 6.25%, respectively, with rates steady over the past month. The 15-year fixed is at 5.5%, and the 30-year fixed is at 6.25%. These rates have held firm for several weeks. Barksdale offers a 15-year fixed rate at 5.5% and a 30-year fixed rate at 6.5%, both unchanged from last week and last month.
Market Indicators - Data & Insights:
Today, Zillow’s 30-year mortgage rate is 6.411%, and Freddie Mac’s 30-year rate is 6.660%, with Zillow lower than Freddie Mac. Zillow’s 15-year rate is 6.109%, down from 7 days ago. These rates reflect the cost borrowers pay to finance homes, influencing how many people can afford to buy or refinance.