January 1, 2026 | Jumbo Fixed Mortgage Rate Drops to 4.625%

On January 1, 2026, ALTURA reports that 15 Year , Jumbo Fixed Purchase loans have decreased by 25 basis points, now at a competitive 4.875%, down from 5.125% a week ago. Similarly, the 30 Year , Jumbo Fixed Purchase loans saw a modest decline of 12.5 basis points, settling at 5.75% compared to last week’s 5.875%. These reductions in yield spreads indicate a slight easing in the cost of borrowing for jumbo purchase mortgages, which may benefit members seeking larger loan amounts with fixed rates. For borrowers prioritizing payment stability and long-term budgeting certainty, these lower fixed rates improve affordability over both 15- and 30-year terms. Members should evaluate their mortgage strategies considering current rate trends; those eligible might find refinancing advantageous if potential savings outweigh associated costs. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of January 1, 2026, COLUMBIA COMMUNITY reports stable mortgage rates for jumbo fixed-rate loans. The 15-year jumbo fixed remains at 5.0%, unchanged over the past week and month, marking it as the lowest rate available today. Similarly, the 30-year jumbo fixed holds steady at 5.875%, with no movement in yield spreads during the same periods. These static rates indicate consistent cost of borrowing for borrowers targeting high-value properties without increased financial pressure from recent market fluctuations.

For members considering new purchases, especially those seeking predictable payments and long-term planning certainty, these fixed-rate jumbo loans offer rate stability. Given the absence of rate increases, evaluating financing options now may help lock in current yields before potential market shifts. Members should assess their mortgage strategy carefully; consider fixed-rate products if prioritizing budget certainty or explore refinancing if potential savings outweigh transaction costs.

For details, visit https://www.columbiacu.org/home-loans/.

As of January 1, 2026, the 30-year Fixed Jumbo Mortgage purchase rate at Community First Credit Union of FLO remains steady at 5.125%, showing no change from one week ago but a notable increase of 25 basis points compared to 30 days prior. This uptick in yield spreads signals a higher cost of borrowing for jumbo loan borrowers relative to last month, potentially impacting buyers seeking larger loan amounts. Members considering jumbo purchases should evaluate the implications of this rise on monthly payments and long-term affordability. Given the stable rate over the past week, those prioritizing payment predictability may find fixed-rate options suitable. Members are encouraged to assess their mortgage strategies carefully; for example, potential purchasers should weigh current rates against market trends before committing.

For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

As of January 1, 2026, DESERT FINANCIAL members considering a Jumbo 15 Year Fixed Rate purchase mortgage will benefit from a reduced rate of 5.25%, down 12.5 basis points compared to one week ago and 30 days prior. This decline lowers the cost of borrowing for borrowers prioritizing faster loan payoff. Meanwhile, the Jumbo 30 Year Fixed Rate remains steady at 5.875%, unchanged over the past week but down 12.5 basis points from 30 days ago, maintaining relatively stable yield spreads for long-term financing.

For members weighing term lengths, the recent drop in the 15-year jumbo rate may present an opportunity to secure lower overall interest expenses, while those favoring extended terms should note consistent rates on the 30-year product. Consider evaluating your mortgage strategy with these trends; if your goal is reducing total interest paid, the shorter fixed term now carries a more attractive yield.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

On January 1, 2026, ENT’s Jumbo 15-Year Fixed Purchase mortgage remains steady at 5.25%, showing no change over the past week or month. Similarly, the Jumbo 30-Year Fixed Purchase rate holds at 6.00%, unchanged compared to both 7 and 30 days ago. These flat yield spreads suggest stable borrowing costs for high-value property buyers.

Members considering jumbo loans can rely on consistent rates without recent volatility, benefiting those prioritizing predictable payments in a fixed-rate environment. First-time buyers or veterans might explore alternative programs as these rates specifically target jumbo loan borrowers with larger loan amounts.

Given the current stability, members should consider fixed-rate options if valuing payment certainty and evaluate refinancing only if long-term savings exceed associated costs.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates

As of January 1, 2026, the 15-Year Fixed Jumbo Purchase mortgage rate stands at 4.625%, marking a decrease of 12.5 basis points compared to last week and a decline of 25 basis points from 30 days ago. This reduction lowers the cost of borrowing for borrowers seeking shorter-term jumbo loans, potentially benefiting those aiming to build equity faster or reduce interest expenses over time. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains steady at 5.875%, unchanged from both last week and 30 days prior, maintaining current yield spreads for long-term jumbo financing.

Members considering jumbo purchases should weigh the improved conditions on 15-year terms if prioritizing interest savings and accelerated payoff. Conversely, stable rates on 30-year fixed jumbo loans suggest consistent market expectations for longer-duration debt. Evaluating fixed-rate options can help in managing payment predictability amid shifting rate environments.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 1, 2026, Conventional 15 Year Jumbo fixed-rate mortgages are at 5.375%, marking a decline of 12.5 basis points from last week and the lowest rate observed in the past six months. This reduction lowers the cost of borrowing for members seeking shorter-term financing with predictable payments. Meanwhile, the Homebuyers Choice 30 Year Jumbo fixed-rate mortgage stands at 6.75%, down 12.5 basis points compared to seven days ago but unchanged over the last 30 days, maintaining stability for long-term buyers prioritizing steady monthly costs.

For members weighing options, those valuing payment consistency might consider these fixed-rate jumbo loans amid modest yield spread improvements. Evaluating refinancing opportunities could be beneficial if potential savings outweigh associated costs.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of January 01, 2026, the 15-year Jumbo fixed rate mortgage holds the lowest yield at 5.5%, unchanged from last week but down by 12.5 basis points compared to 30 days ago. This decrease signals a modest reduction in borrowing costs for members seeking shorter-term jumbo loans, potentially benefiting those aiming to build equity faster. Meanwhile, the 30-year Jumbo fixed rate mortgage remains steady at 5.625%, showing no change over the past week or month; this stability offers predictability for borrowers prioritizing long-term fixed payments.

Members considering large loan amounts should evaluate whether locking in the current low rates on 15-year terms aligns with their financial goals, especially given recent downward trends. For those valuing payment consistency, maintaining a 30-year jumbo fixed loan may be appropriate. Assess your mortgage strategy carefully and consider refinancing only if the cost savings surpass associated fees.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of January 1, 2026, mortgage rates are stable for both 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo loans, each holding steady at 6.185% and 6.256%, respectively. Over the past week, the 15-Year Fixed Rate Jumbo has decreased by 0.17 basis points, while the 30-Year Fixed Rate Jumbo saw a reduction of 0.14 basis points over the same period. Looking at the longer term, the 30-Year Fixed Rate Jumbo also experienced a decline of 0.18 basis points in the last month. Borrowers should note that despite these fluctuations, current rates remain competitive compared to historical figures, indicating a favorable environment for refinancing or purchasing decisions.

As of January 1, 2026, inflation expectations are reflected in the Breakeven Inflation Rates for 10-year and 5-year periods, currently at 2.250% and 2.260%, respectively. Recent trends indicate a stable environment for borrowers, particularly with Mortgage 30Yr Average Rates holding at 6.150%, despite minor fluctuations in other mortgage products. The most significant changes include a 0.23 point decline in the Mortgage 30Yr Usda Average Rates over the past week and month, now at 5.834%, highlighting potential opportunities for homebuyers seeking lower borrowing costs. Monitoring these indicators can aid decision-making as they influence overall lending conditions and affordability in the housing market.

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