January 6, 2026 | Lowest VA Fixed Mortgage Rate Holds at 4.625%

On January 6, 2026, Federal VA Loans for home purchases show a stable rate environment. The 15-year fixed VA loan remains at 5.125%, unchanged from both one week and one month ago, representing the lowest rate available among today’s options. In contrast, the 30-year fixed VA loan increased by 12.5 basis points over the past seven days to 5.625%, while holding steady compared to 30 days prior.

For veterans and first-time buyers prioritizing predictable payments and lower interest expense, the 15-year fixed VA loan at 5.125% offers a cost-effective borrowing option with no recent yield spread fluctuations. Meanwhile, those considering longer terms should note the slight uptick in the 30-year product may increase long-term financing costs.

Members are advised to evaluate their mortgage horizon carefully; those valuing stability might lean toward fixed-rate terms, while others should assess if refinancing opportunities can offset current rates. For details, visit https://www.capitalcu.com/mortgage-rates.

As of January 6, 2026, the 30-year fixed VA purchase loan remains steady at a rate of 5.375% with 1.0 point, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This stability over the past week suggests consistent borrowing costs for veterans seeking home purchase financing; however, the month-over-month increase reflects tightening yield spreads that could influence affordability. For veterans evaluating homebuying options, maintaining awareness of these rate trends is essential when assessing long-term payment commitments. Given the current rate environment, members should consider fixed-rate VA loans if they prioritize predictable monthly payments, and periodically reassess refinancing opportunities if market rates decline enough to offset closing costs. For details, visit https://www.columbiacu.org/home-loans/.

As of January 6, 2026, 15-year VA Loans and 30-year VA Loans remain steady at 5.125% and 5.625%, respectively, with no changes over the past week or month. This stability in rates reflects consistent yield spreads for veteran borrowers seeking fixed-rate options. For veterans purchasing a home, these unchanged rates provide predictable borrowing costs, aiding in long-term financial planning.

Members considering refinancing or new purchases can evaluate these fixed VA loan rates to determine if they align with their financial goals. Given the current lack of movement, those valuing rate certainty may prefer fixed terms to mitigate interest rate risk.

For details, visit https://www.cu1.org/rates#real-estate-rates.

As of January 6, 2026, 15-year fixed purchase loans maintain the lowest rate at 4.99%, unchanged from one week and one month ago, reflecting stable borrowing costs for members seeking shorter-term fixed options. Conversely, the 30-year fixed purchase rate rose by 12.5 basis points to 5.375%, marking a consistent increase over the past week and month. This upward movement in longer-term yields suggests slightly higher financing costs for buyers prioritizing extended repayment terms. Members considering home purchases should weigh the trade-offs between the predictability of 15-year fixed loans and the affordability of monthly payments under 30-year fixed programs amid recent yield spreads. Given these trends, evaluating mortgage strategies based on term preference and cost sensitivity remains prudent.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

On January 6, 2026, 15-year Fixed Purchase and 30-year Fixed Purchase mortgage rates remain steady at 5.0% and 5.5%, respectively. Both rates show no change compared to one week and one month ago, indicating stable borrowing costs for homebuyers. The 15-year Fixed option holds the lowest rate, offering potential savings in interest over time for members prioritizing quicker loan payoff. Stability in these fixed rates benefits first-time buyers seeking predictable payments and homeowners planning long-term budgeting. Given this consistency, members should assess their mortgage goals carefully; those valuing payment certainty may prefer fixed-rate products, while others might monitor market shifts for future opportunities. Consider reviewing your mortgage strategy to ensure alignment with current yield spreads and personal financial objectives. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On January 6, 2026, VA 15-Year Fixed Purchase loans maintain the lowest rate at a steady 5.25%, unchanged over the past week and month, supporting veterans seeking shorter-term financing with predictable costs. Conversely, the VA 30-Year Fixed Purchase rate rose by 12.5 basis points to 5.875% compared to seven days ago but remains flat month-over-month. This increase slightly raises the cost of borrowing for longer-term VA loans, impacting veterans prioritizing lower monthly payments over loan duration.

Members should consider fixed-rate options like the VA 15-Year Fixed for stable payments and evaluate whether refinancing or purchasing aligns with their financial goals amid recent yield shifts. For details, visit https://www.hfcu.org/rates/mortgage-rates.html.

As of January 6, 2026, Navy Federal Credit Union’s mortgage rates show stability in key fixed-rate purchase programs. The VA 15 Year Fixed Purchase loan holds at a competitive 4.875% with 0.5 points, unchanged over the past week but down 12.5 basis points compared to 30 days ago, reducing borrowing costs for veterans seeking shorter-term financing. Meanwhile, the Military Choice 30 Year Fixed Purchase program remains steady at 6.25% with 0.5 points, with no change from both one week and one month prior; this consistency offers predictability for members prioritizing long-term stability.

These rate movements suggest evaluating fixed-rate options may benefit those valuing payment certainty, especially veterans considering the lower VA 15-year yield spread. Members should assess whether locking in current rates aligns with their financial goals or if refinancing could optimize long-term expenses.

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

As of January 6, 2026, 15-Year Fixed Purchase mortgages hold the lowest rate at 4.625%, unchanged from both one week and one month ago. Similarly, the 30-Year Fixed Purchase rate remains steady at 5.25%, with no movement over the past 7 and 30 days. These stable rates indicate consistent borrowing costs for members seeking fixed-rate loans. For buyers prioritizing predictability and lower interest expense over a shorter term, the 15-Year Fixed option offers favorable yield spreads. Meanwhile, long-term affordability remains constant for those opting for the 30-Year Fixed program. Members should evaluate their mortgage strategy carefully; those with existing loans might consider if refinancing is beneficial given current rates remain flat. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of January 6, 2026, the VA 15-Year Fixed Purchase mortgage rate remains steady at 4.875%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This decline reduces the cost of borrowing for veterans seeking shorter-term loans, potentially lowering total interest paid over the loan life. Conversely, the VA 30-Year Fixed Purchase rate increased by 12.5 basis points week-over-week to 5.75%, holding flat over the past month. This slight uptick raises yield spreads on long-term financing, affecting veterans aiming for extended payment terms.

Members should assess their mortgage horizon carefully: those valuing predictable payments may prefer locking in fixed rates now, while others might evaluate refinancing if current savings surpass associated costs. For details, visit https://www.wecu.com/homeloans/purchase/.

As of January 6, 2026, mortgage rates are experiencing a mixed trend. The 15-Year Fixed Rate Jumbo is currently at 6.221%, down by 0.04 basis points from yesterday and up 0.03 basis points over the last month. In contrast, the 30-Year Fixed Rate Jumbo stands at 6.344%, reflecting a slight decrease of 0.03 basis points in the past day but an increase of 0.12 basis points over the last week. Borrowers may find that these adjustments in rates can impact their overall cost of borrowing, particularly for those considering fixed-rate options. It is advisable to monitor these trends closely to make informed decisions regarding mortgage financing.

Inflation expectations, as reflected in the Breakeven Inflation Rates, have remained relatively stable recently, with the 10-year rate at 2.260% and the 5-year rate at 2.290%. These indicators suggest moderate inflation outlooks that can influence mortgage rates and borrowing costs. Notably, Mortgage 30Yr Jumbo Average Rates saw significant declines of 6.47 points in one day, 6.41 points over seven days, and 6.45 points across thirty days, indicating a potential easing for borrowers; currently, these rates are at 6.473%, making them one of the lowest options available. Borrowers should consider these trends when evaluating their financing strategies in light of fluctuating rates and inflation signals.

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