January 2, 2026 | Lowest Refinance Fixed Rate Holds at 4.875%

As of January 2, 2026, 15-Year Fixed-Rate Conventional Refinance loans remain steady at 5.5%, matching rates from one week and one month ago with no change in yield spread. Similarly, the 30-Year Fixed-Rate Conventional Refinance rate holds firm at 6.0%, showing stability over the past 7 and 30 days. This lack of movement indicates consistent borrowing costs for members seeking to refinance, allowing for reliable cost projections without unexpected rate volatility. Borrowers prioritizing lower monthly payments may consider the 30-year term for extended amortization, while those aiming to reduce total interest expense might favor the 15-year option due to its comparatively lower rate. Members should evaluate refinancing opportunities carefully, factoring in current rates against closing costs to optimize long-term savings.

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

On January 2, 2026, CONNEXUS reports stable mortgage rates for refinance loans. The 15-year fixed refinance rate remains at 5.5%, unchanged from both one week and one month ago, representing the lowest rate available today. Similarly, the 30-year fixed refinance rate holds steady at 6.125%, with no change over the past seven or thirty days. This stability in yield spreads indicates a consistent cost of borrowing for members seeking to refinance their homes. For those prioritizing predictable payments and reduced interest expense, the 15-year fixed refinance continues to offer competitive terms. Members should evaluate their current mortgage strategy and consider refinancing if projected savings exceed associated costs, especially given the absence of recent rate increases. For details, visit https://www.connexuscu.org/loans/mortgage-refinance.

On January 2, 2026, 15-Year Fixed Refinance rates remain stable at 5.25%, holding steady over the past week but up 12.5 basis points compared to 30 days ago. This slight increase raises the cost of borrowing modestly for homeowners seeking shorter-term refinance options. Meanwhile, the 30-Year Fixed Refinance rate is unchanged at 5.75%, maintaining a consistent yield spread with no movement in the last 30 days. For members considering refinancing, the 15-year fixed option offers the lowest current rate, potentially benefiting those aiming to reduce interest expenses over a shorter horizon. Evaluating your mortgage strategy with these rate trends can clarify whether locking in a fixed rate or holding off aligns better with your financial goals. Consider refinancing if anticipated savings justify closing costs.

For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of January 2, 2026, mortgage rates for refinance remain steady. The 15-Year Fixed-Rate Mortgage holds at 5.25% with 4.0 points, unchanged from both one week and one month ago, indicating stable borrowing costs for members seeking shorter-term refinancing. Meanwhile, the 30-Year Fixed-Rate Mortgage is steady at 6.00% with 2.0 points, showing no movement over the past 7 and 30 days, despite a slight decline compared to two months prior.

For members focused on predictable payments, the consistent rates on fixed terms suggest evaluating refinance options to potentially lower monthly obligations or shorten loan duration without rate volatility. Given these unchanged yields, consider fixed-rate loans if you prioritize stability in your mortgage strategy.

For details, visit https://www.tvacreditunion.com/borrow/loans/home-refinance.html.

As of January 2, 2026, Langley Credit Union’s mortgage refinance rates remain steady. The 30-year fixed refinance rate holds at 4.99%, unchanged over the past week and month, reflecting stability in yield spreads and borrowing costs. Similarly, the 15-year fixed refinance rate stays at 5.00%, maintaining a consistent cost structure compared to recent periods.

These stable rates benefit members considering long-term debt reduction or cash-out refinancing by providing predictable payment obligations. Borrowers prioritizing shorter terms can evaluate the 15-year fixed option for faster equity build-up without incurring higher interest expenses.

Given no movement in rates, members should assess whether current conditions align with their financial goals; specifically, those seeking to lower monthly payments or overall interest may find refinancing advantageous if closing costs are justified. Consider fixed-rate products if you value payment certainty amid market fluctuations.

For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of January 2, 2026, Navy Federal Credit Union reports a modest decline in select refinance mortgage rates. The Conventional Fixed 15-Year Refinance rate decreased by 12.5 basis points, now at 4.875%, reflecting a slight easing in borrowing costs for homeowners prioritizing shorter loan terms and faster equity buildup. Conversely, the Homebuyers Choice 30-Year Refinance rate holds steady at 6.375%, showing no change over the past 30 days but down by 12.5 basis points week-over-week, maintaining a higher cost of borrowing suitable for those seeking longer amortization with manageable monthly payments.

These movements suggest that borrowers focused on reducing long-term interest expenses might consider fixed-rate options where yields have softened slightly. For members refinancing, evaluating whether these rate adjustments translate to meaningful savings after closing costs is advisable.

Consider your mortgage strategy carefully; smaller rate improvements in shorter terms can reduce overall interest paid, while stable longer-term rates may benefit those valuing payment predictability.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1

As of January 2, 2026, refinance fixed-rate mortgages remain steady with the 15-year fixed refinance rate at 5.5%, representing the lowest yield among today’s options and unchanged from both last week and the past month. The 30-year fixed refinance rate holds at 6.375%, also stable over the same periods. These consistent rates indicate no recent volatility in borrowing costs for members seeking to refinance.

For homeowners prioritizing predictability, the 15-year fixed refinance loan at 5.5% offers a lower interest cost with stable monthly payments. Meanwhile, those needing longer terms should evaluate if locking in the unchanged 6.375% 30-year rate aligns with their financial goals. Given current market stability, members should assess refinancing opportunities carefully; consider proceeding if potential savings on interest exceed associated fees.

For details, visit https://www.rbfcu.org/home-loans-realty/mortgage-refinancing.

As of January 2, 2026, 15-year fixed refinance loans remain at 5.0% with 1.125 points, unchanged from last week but down 12.5 basis points compared to 30 days ago. This slight decline in rates reduces the cost of borrowing for homeowners seeking shorter-term refinancing, potentially lowering monthly payments and total interest paid over the loan term. Meanwhile, the 30-year fixed refinance program holds steady at 6.0% with 0.75 points, showing no change over the past week or month; this stability may appeal to borrowers prioritizing consistent payment schedules.

Members considering refinancing should evaluate whether locking in current rates aligns with their long-term financial goals. Those valuing payment stability might consider the 30-year fixed option, while those aiming to minimize interest expense could find the 15-year fixed refinance advantageous given recent rate improvements.

For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

As of January 2, 2026, mortgage rates are trending upward. The 15-Year Fixed Rate Jumbo is now at 6.261%, reflecting a 20 basis point increase from yesterday and a 19 basis point rise over the past month. The 30-Year Fixed Rate Jumbo has also increased slightly to 6.348%, with a modest change of 2 basis points in just one day and an overall gain of 3 basis points over the last month. These shifts indicate higher borrowing costs for potential homeowners; however, borrowers may still find competitive options within these products. Staying informed on rate movements is crucial for making strategic financial decisions in today's market.

The Breakeven Inflation Rate for 10 years remains stable at 2.250%, reflecting steady inflation expectations that influence mortgage rates and borrowing costs. The Mortgage 30Yr Average Rates sit at 6.150%, with a slight decrease of 0.03 points over the past week, while the 15Yr Average Rates have also held steady at 5.440%. Notably, the largest 30-day decline is observed in the Mortgage 30Yr Usda Average Rates, which fell by 0.13 points to 5.834%, potentially easing affordability for borrowers. These trends suggest a cautious lending environment; prospective borrowers should remain informed about market shifts to better navigate their financing options.

Every homeowner’s journey is different, but almost all of us remember that mix of excitement and uncertainty when it’s time to find the right mortgage. At LendMesh, we know the process can be overwhelming—that’s why we’ve created a place where you can get honest guidance, side-by-side rate comparisons, and direct access to lending partners who put your needs first. We work with a nationwide network of credit unions and banks, offering options you might not find anywhere else. Think of us as your financial co-pilot, here to help you make decisions with confidence. When you’re ready to explore what’s possible, visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s turn those dreams of homeownership into reality, one step at a time.