January 7, 2026 | Lowest Purchase Fixed Rate Holds Steady at 4.625%

As of January 7, 2026, the 15-Year Fixed Purchase mortgage rate remains steady at 5.0%, unchanged from one week ago and representing a decline of 12.5 basis points compared to 30 days prior. This stability in yield spreads reduces the immediate cost of borrowing for buyers locking in shorter-term fixed rates. For first-time homebuyers and those prioritizing predictable payments, maintaining a 5.0% fixed rate supports budgeting certainty amid recent market fluctuations. While veterans and refinancing applicants are not represented in today’s data, members should consider how current rates align with their long-term financial goals. Evaluating fixed-rate options remains prudent if payment consistency is desired; similarly, members may explore refinancing when potential savings exceed transaction costs.

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

As of January 7, 2026, mortgage rates for FHA fixed-rate purchase loans remain steady. The 15-year FHA Fixed rate holds at a competitive 5.00%, unchanged from both one week and one month ago, representing the lowest rate in today’s offerings. Similarly, the 30-year FHA Fixed rate stays stable at 5.625%, with no change over the past seven or thirty days.

For members considering home purchases, these consistent rates offer predictability in borrowing costs. First-time buyers benefit from the lower 15-year fixed option to reduce interest expense over time, while those seeking longer-term stability may evaluate the 30-year fixed product. Given the absence of recent upward shifts, it is prudent to assess your mortgage strategy based on your financial horizon and risk tolerance.

Members should consider fixed-rate options if prioritizing payment stability or evaluate refinancing possibilities if current rates align favorably with their existing loan terms. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of January 7, 2026, 15 Year Fixed - Purchase mortgage rates have decreased by 12.5 basis points to 5.25%, marking the lowest rate among today’s purchase options. This reduction in yield spread lowers the cost of borrowing for buyers prioritizing shorter-term stability and faster equity buildup. Conversely, the 30 Year Fixed - Purchase rate remains steady at 5.625%, unchanged over the past week and month, maintaining consistent borrowing costs for those seeking longer amortization periods.

For first-time homebuyers or members aiming for predictable payments, the lower 15-year fixed rate offers potential savings despite higher monthly obligations. Evaluating refinancing opportunities may be prudent when rate drops exceed transaction costs; meanwhile, those favoring long-term cash flow stability should consider fixed-rate products carefully.

For details, visit https://www.myfpcu.com/fpcu-mortgage-rates.

On January 7, 2026, the 30-year Fixed FHA Purchase mortgage rate remains steady at 5.375%, unchanged over the past week and month. This stability indicates no immediate shifts in yield spreads affecting government-backed loans for first-time buyers or those seeking lower down payments. The consistent rate suggests borrowing costs have held firm, allowing members to plan with greater certainty.

For first-time homebuyers relying on FHA programs, this rate stability supports predictable monthly payments without unexpected increases. Veterans and refinancing borrowers should note that no comparable VA or refinance products are available today for direct comparison.

Members valuing payment consistency may consider locking in fixed-rate options. Evaluating refinancing makes sense if future market movements offer meaningful savings relative to closing costs.

For details, visit https://fccu.org/rates/home-loan-rates.

On January 7, 2026, 15 Year Fixed FHA Mortgage rates for purchase loans remain steady at 5.0%, holding the lowest yield in today’s update and reflecting a 49 basis point decrease over 30 days, which reduces the overall cost of borrowing for borrowers seeking shorter-term financing. Conversely, the 30 Year Fixed FHA Mortgage rate is unchanged at 5.375%, maintaining stable long-term borrowing costs with no movement over the past 7 or 30 days.

For first-time buyers and those prioritizing predictable payments, the 15-year fixed FHA option offers a favorable yield spread that may improve affordability through lower interest expenses over time. The unchanged 30-year rate supports consistent monthly budgeting without increased rate risk.

Members should assess their mortgage strategy considering these trends; specifically, those eligible for FHA loans might consider fixed-rate options to lock in current yields, while evaluating refinancing only if potential savings outweigh transaction costs.

For details, visit https://www.gwcu.org/rates/homeloans.

As of January 7, 2026, POTLATCH NO. 1 FINANCIAL reports stable mortgage rates for both 15-Year Fixed and 30-Year Fixed Purchase loans, with no change over the past week or month. The 15-Year Fixed rate remains at 4.625%, representing the lowest available yield among today’s offerings; this steady rate supports borrowers seeking shorter-term financing with predictable payments. Meanwhile, the 30-Year Fixed rate holds firm at 5.25%, maintaining its position for those prioritizing longer amortization periods despite higher overall borrowing costs.

For members considering home purchases, these unchanged rates offer clarity in evaluating affordability and long-term financial planning. First-time buyers may find the consistent 15-Year Fixed rate advantageous for building equity more rapidly, while those focused on monthly cash flow can assess the steady 30-Year Fixed option accordingly.

Given current market stability, members should evaluate their mortgage strategies carefully: consider fixed-rate products to lock in predictable costs or assess refinancing only if projected savings outweigh closing expenses. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

On January 7, 2026, FHA 15-year fixed purchase loans remain at a competitive 5.25%, unchanged from last week but up by 12.5 basis points compared to 30 days ago. This modest increase slightly raises the cost of borrowing for members seeking shorter-term FHA financing, often preferred by buyers aiming to build equity faster. Meanwhile, the FHA 30-year fixed purchase rate holds steady at 5.875%, showing no weekly or monthly change; it continues as the lowest long-term FHA option available today.

For first-time buyers evaluating loan terms, the stable FHA 30-year fixed rate provides predictable payments with moderate yield spreads. Those considering accelerated payoff may weigh the slight rise in the 15-year fixed against potential interest savings. Members should assess their mortgage strategy accordingly and consider refinancing if projected savings exceed transaction costs.

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

On January 7, 2026, the FHA 30 Year Fixed Purchase mortgage rate at SUNMARK holds steady at 5.375%, unchanged from a week ago but down 12.5 basis points compared to 30 days prior. This yield stability suggests limited short-term volatility in government-backed borrowing costs for first-time buyers and those with moderate credit profiles. The slight month-over-month decline may reduce the overall cost of homeownership for eligible members considering new purchases. Given this environment, members prioritizing payment predictability might find fixed-rate FHA loans advantageous. It is prudent to evaluate your mortgage strategy regularly; if current rates align with your financial goals, locking in a fixed rate could provide long-term budget certainty. For details, visit https://www.sunmark.org/index.php/current-rates#:~:text=Mortgages-,MORTGAGE%20TYPE,-RATE.

As of January 7, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is now at 6.312%, down by 0.04 basis points from yesterday but up 0.13 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.309%, reflecting a slight decrease of 0.03 basis points in one day and a minimal change over the last week. Borrowers may find that while short-term fluctuations are occurring, the overall environment indicates a gradual increase in costs over time, particularly for shorter loan terms. It is essential for borrowers to evaluate these rates carefully when making financing decisions.

As of January 7, 2026, breakeven inflation rates indicate stable expectations, with the 10-year rate at 2.270% and the 5-year rate at 2.300%. These inflation expectations play a crucial role in influencing mortgage rates, which reflect the cost of borrowing. Notably, the largest change observed in the past week was a decline of 6.15 points in the Mortgage 30Yr Average Rates, now at an alarming level of 0.000%, indicating significant volatility and potential borrower challenges. The lowest mortgage rate shown is for the Mortgage 30Yr FHA Average Rates, at 5.979%. Borrowers should closely monitor these indicators as they can impact financing decisions significantly over time.

Every home has a story, and so does every mortgage. At LendMesh, we understand that life changes—maybe you’re welcoming a new family member, relocating for a dream job, or finally saving up for that perfect neighborhood. Our team has built relationships with a diverse range of credit unions and banks, allowing us to bring you up-to-date rates and special lending programs tailored for real life. You won’t find generic advice here; instead, you’ll get insights and tips that match your unique journey. Thinking about what comes next? Discover our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and let us help you write your next chapter with confidence.