January 3, 2026 | Lowest Adjustable ARM Rate Holds at 4.25%

On January 3, 2026, the 7/6 ARM adjustable-rate mortgage for purchase remains steady at a rate of 4.75%, unchanged over the past 7 and 30 days. This stability in yield spreads suggests no immediate change in the cost of borrowing for members opting for this product. For prospective homebuyers considering adjustable-rate options, the current flat rate environment allows predictable short-term planning without rate volatility concerns. Veterans and first-time buyers who prioritize initial affordability may find this consistency beneficial. Given these conditions, members should evaluate their mortgage strategy carefully, especially if they prefer interest rate certainty or anticipate market fluctuations that could affect future ARM adjustments. Consider comparing fixed-rate alternatives if long-term payment stability is a priority. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 3, 2026, 5 Year Adjustable Rate Mortgage (ARM) Purchase loans maintain a steady rate of 4.50%, unchanged over the past week and month. Similarly, the 7 Year ARM Purchase loans hold at 4.75% with no movement in the last 7 or 30 days. These stable rates indicate consistent yield spreads and borrowing costs for members considering adjustable-rate purchase options. For first-time buyers evaluating initial affordability, the 5 Year ARM’s lower rate may offer cost advantages during the fixed period. Veterans and other borrowers should note that these ARMs provide predictable short-term payments without recent volatility. Members should assess their long-term plans carefully; if stability is a priority beyond the initial term, comparing fixed-rate alternatives could be prudent. Consider refinancing strategies if future rate shifts present opportunities to lower overall financing costs. For details, visit https://southernenergycu.mortgagewebcenter.com/.

As of January 3, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase remains steady at a rate of 4.25%, unchanged from both one week and one month ago. This stability in yield spreads indicates no immediate increase in the cost of borrowing for members seeking adjustable-rate financing for home purchases. For first-time buyers and those with flexible budgets, the consistent rate environment supports predictable initial payments without added premium risk.

Given the unchanged rate trajectory, members evaluating their mortgage options should consider how an adjustable-rate structure aligns with their long-term financial plans. Those prioritizing payment stability may explore fixed-rate alternatives elsewhere, while others might benefit from this steady ARM rate to maximize upfront affordability. Evaluating refinancing strategies remains prudent when rates shift meaningfully beyond current levels.

For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 3, 2026, adjustable-rate mortgages (ARMs) for purchase purposes have experienced a modest decline in yields. The 5/1 ARM now offers the lowest rate at 5.375%, down by 12.5 basis points from last week and the past 30 days, reflecting a slight easing in borrowing costs for short-term adjustable loans. Similarly, the 7/1 ARM and 10/1 ARM rates decreased by 12.5 basis points, settling at 5.5% and 5.625%, respectively. These yield spreads suggest marginally improved affordability for borrowers who prioritize initial lower rates with future adjustments.

Members considering ARMs should evaluate their risk tolerance given potential rate resets beyond the fixed period, especially first-time buyers seeking initial cost savings. Veterans and others with stable income may find these options beneficial if planning to refinance or sell before adjustment periods begin. Considering refinancing might be advantageous where reductions exceed transaction costs; however, members valuing payment stability should assess fixed-rate alternatives.

For details, visit https://sffirecu.org/home-loans/fixed-rate-mortgage/.

On January 3, 2026, the 30-year Adjustable Rate Mortgage (NH Only 5/6 ARM) for purchase loans is priced at 6.125%, marking a 25 basis point increase from one week ago while remaining stable over the past 30 days. This upward movement in yield spreads raises the cost of borrowing for prospective homebuyers considering adjustable-rate products, potentially impacting monthly payment forecasts and long-term affordability. Members evaluating this option should assess their risk tolerance for rate adjustments after the initial fixed period. For buyers prioritizing predictability, reviewing fixed-rate alternatives may be prudent. Given recent fluctuations, homeowners with existing ARMs might also explore refinancing opportunities if fixed rates align with their financial goals. Consider detailed mortgage strategy evaluations to optimize borrowing costs amid evolving market conditions. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

On January 3, 2026, 7/1 ARM Purchase loans show a notable decline to 5.75%, down 37 basis points from one week ago and the same drop compared to 30 days prior, signaling reduced borrowing costs for members seeking adjustable-rate mortgages with initial fixed periods. Meanwhile, both 10/1 ARM and 15/15 ARM Purchase loans remain steady at 5.875% and 6.0%, respectively, indicating stable yield spreads in longer adjustment intervals. The decrease in the 7/1 ARM rate could particularly benefit first-time buyers aiming for lower initial payments, while those preferring predictability might consider the unchanged rates of 10/1 or 15/15 ARMs. Members should evaluate their mortgage strategy carefully; consider refinancing if the rate reduction on 7/1 ARMs aligns with your financial goals and loan term preferences. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of January 3, 2026, mortgage rates have remained stable for the 15-Year Fixed Rate Jumbo at 6.410%, while the 30-Year Fixed Rate Jumbo also holds steady at 6.647%. Over the past week, the 30-Year Fixed Rate Jumbo saw an increase of 0.38 basis points, reflecting a trend that could affect borrowing costs for prospective homeowners. In the last month, this product has risen by 0.42 basis points, indicating a gradual upward movement in mortgage rates. Borrowers should carefully evaluate their options and consider locking in current rates to mitigate potential increases in borrowing costs in the near future.

As of January 3, 2026, inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-Year Rate at 2.250% and the 5-Year Rate at 2.280%. These rates can influence mortgage rates, yield curve signals, and overall borrowing costs. Notably, the largest change over the past week was seen in the Mortgage 30Yr Usda Average Rates, which rose by 0.08 points. Over a longer period, the Breakeven Inflation Rate 5Yr fell by 0.05 points over 30 days, indicating potential shifts in inflation perceptions that could impact borrowing decisions. The current lowest mortgage rate stands at 5.759% for 30-Year VA loans; borrowers may consider locking in favorable rates amid these fluctuations.

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