January 8, 2026 | Lowest Jumbo Fixed Mortgage Rate at 5.00% Today

As of January 8, 2026, 15 Year Jumbo Fixed Purchase loans have increased by 25 basis points to 5.125%, compared to one week ago, while maintaining stability over the past 30 days. This rise indicates a higher cost of borrowing for jumbo loan borrowers seeking shorter-term fixed rates. Meanwhile, the 30 Year Jumbo Fixed Purchase loan rate remains steady at 5.75%, unchanged from last week and down 12.5 basis points from 30 days prior, offering a relatively lower yield spread for those prioritizing longer terms.

For members considering jumbo purchases, the recent uptick in shorter-term rates suggests evaluating whether the slightly higher payments align with financial goals; fixed-rate options continue to provide predictability amid market fluctuations. Assess your mortgage strategy carefully to determine if refinancing or locking current rates suits your long-term cost objectives.

For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of January 8, 2026, Jumbo 15-year fixed purchase loans hold the lowest rate at 5.0%, unchanged from a week ago but down by 12.5 basis points compared to 30 days prior. Meanwhile, Jumbo 30-year fixed purchase loans remain steady at 5.875%, showing no change over the past week but a notable decrease of 25 basis points from one month ago. These stable yield spreads suggest a relatively consistent cost of borrowing for high-value home purchases. Members prioritizing predictable payments may find the 15-year Jumbo fixed option advantageous due to its lower rate and shorter term, while those seeking longer amortization can evaluate the slightly higher 30-year Jumbo fixed rate. Given these trends, consider assessing your mortgage strategy with an emphasis on term length and interest stability to optimize long-term financing costs. For details, visit https://www.columbiacu.org/home-loans/.

As of January 8, 2026, the 30-year fixed Jumbo mortgage rate for purchase loans remains steady at 5.125%, unchanged from one week ago but up 25 basis points compared to 30 days prior. This yield spread increase reflects a modest rise in borrowing costs over the past month, which may impact buyers seeking higher-value properties. For prospective jumbo loan borrowers, maintaining a fixed rate provides predictability amid recent market fluctuations. Given the unchanged rate week-over-week, members should assess their timing carefully; locking in rates now could mitigate further cost increases. Evaluating your mortgage strategy with current rate trends is advisable, particularly if you anticipate financing needs for high-value homes. For details, visit https://www.communityfirstfl.org/resources/rates/mortgage-rates.

On January 8, 2026, DESERT FINANCIAL reports stable mortgage rates for Jumbo Fixed Rate Purchase Loans. The 15-Year Jumbo Fixed Rate remains at a competitive 5.25% with 1.125 points, unchanged from last week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-Year Jumbo Fixed Rate holds steady at 5.875% with 1.25 points, showing no weekly change and a decline of 12.5 basis points over the past month.

These modest declines in yield spreads reduce the overall cost of borrowing for high-value homebuyers, particularly benefiting those seeking long-term financing stability. Members considering larger loan amounts may find the current rates advantageous for locking in predictable payments.

Given these trends, members should evaluate fixed-rate options if they prioritize payment certainty or consider refinancing when potential savings surpass associated costs.

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

As of January 8, 2026, the Jumbo 15 Years Fixed Purchase mortgage rate decreased to 5.125%, down 12.5 basis points from last week and 25 basis points lower than a month ago. This reduction lowers the cost of borrowing for high-value homebuyers seeking shorter-term stability. Conversely, the Jumbo 30 Years Fixed Purchase rate increased slightly by 12.5 basis points over the past week to 5.875%, though it remains 12.5 basis points below its level 30 days prior, reflecting modest fluctuations in long-term yield spreads.

For members prioritizing predictable payments and reduced interest exposure, the declining rate on the 15-year jumbo fixed loan may present advantageous refinancing or purchasing opportunities. Meanwhile, those considering longer terms should evaluate recent upward pressure on the 30-year jumbo rate against potential long-term affordability.

Careful assessment of current rates relative to individual financial goals is advisable; consider fixed-rate options if stability is paramount or evaluate refinancing when potential savings exceed associated costs. For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

On January 8, 2026, ENT’s Jumbo Fixed-Rate Purchase Mortgages hold steady after recent modest declines. The 15-Year Jumbo Fixed rate remains at 5.25%, reflecting a 12.5 basis points decrease over the past 30 days, while unchanged from last week. Similarly, the 30-Year Jumbo Fixed mortgage holds at 6.00%, also down by 12.5 basis points versus one month ago with no weekly change. These yield adjustments reduce the cost of borrowing for high-value homebuyers, potentially improving affordability for those prioritizing shorter-term stability or long-term financing. Members considering large loan amounts should evaluate fixed-rate options to lock in current rates amid recent easing trends. For those weighing purchase timing or loan term choices, monitoring these subtle shifts can inform strategic decisions aligned with market conditions. Consider refinancing if projected savings exceed associated costs.

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

As of January 8, 2026, 15-Year Fixed Jumbo mortgage rates have risen to 5.0%, marking an increase of 37.5 basis points over the past week and 25 basis points compared to 30 days ago. Meanwhile, the 30-Year Fixed Jumbo rate stands at 6.0%, up by 12.5 basis points in the last seven days but unchanged from a month prior. These shifts indicate a tightening in yield spreads for jumbo loans, increasing the overall cost of borrowing for high-value home purchases. Borrowers prioritizing lower monthly payments may find the 15-year fixed jumbo at 5.0% offers a more favorable rate despite higher payments due to shorter terms. Members should evaluate whether locking in fixed-rate options aligns with their long-term financial plans, especially given recent upward movements in jumbo loan yields. Consider refinancing only if projected savings surpass closing costs over your intended holding period.

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

As of January 8, 2026, NAVY FEDERAL CREDIT UNION reports stable mortgage rates for jumbo purchase loans. The 15-year Fixed Conventional Jumbo rate remains at 5.375% with 0.25 points, unchanged from one week ago but down 25 basis points compared to 30 days prior. Similarly, the 30-year Fixed Homebuyers Choice Jumbo holds steady at 6.75% with 0.5 points, showing no weekly change and a modest decline of 12.5 basis points over the past month. These shifts reflect a slight easing in borrowing costs for jumbo loan borrowers, which may benefit those seeking longer-term financing or faster payoff schedules. Members prioritizing rate stability might consider fixed-rate options, while evaluating refinancing opportunities if projected savings exceed associated expenses.

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

As of January 8, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 5.125%, unchanged over the past week but down 25 basis points from 30 days ago. This rate represents the lowest available fixed-term option, offering members a reduced cost of borrowing for shorter-term commitments. Meanwhile, the 30-Year Fixed Purchase rate holds at 5.875%, also stable week-over-week, yet improved by 12.5 basis points compared to one month prior.

These stable yields suggest limited short-term volatility in borrowing costs for purchase loans. Members prioritizing predictability may find value in locking fixed rates now, while those considering longer terms should note the modest decline in yield spreads over the last month. Evaluating your mortgage strategy against these trends can help determine if fixed-rate products align with your financial goals and risk tolerance.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

On January 8, 2026, 15-year Jumbo fixed-rate purchase loans remain at 5.5%, unchanged from last week but down 12.5 basis points from 30 days ago. This decline reduces the overall cost of borrowing for borrowers targeting shorter loan terms with larger balances, potentially benefiting those seeking faster equity buildup. Meanwhile, the 30-year Jumbo fixed-rate purchase loans hold steady at 5.625%, with no change over the past week or month, maintaining a stable yield spread for long-term financing.

For members evaluating mortgage strategies, the lower rate on the 15-year Jumbo fixed may be advantageous if prioritizing interest savings and quicker payoff. Conversely, the consistent rate on the 30-year Jumbo fixed offers predictability for those valuing payment stability over time. Consider these data points when assessing refinancing or home purchase options to align loan term and cost efficiency with financial goals.

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

As of January 8, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo increased to 6.159%, up by 5 basis points from yesterday and up 10 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo also rose to 6.273%, reflecting a similar increase of 5 basis points in just one day but a slight decline of 5 basis points over the last week. Borrowers should note that despite these small increases, the rates remain below levels seen six months ago. Monitoring these fluctuations is crucial for informed borrowing decisions in the current market environment.

As of January 8, 2026, inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-year rate at 2.270% and the 5-year rate at 2.300%. These rates indicate market forecasts for inflation over their respective periods, influencing mortgage rates and overall borrowing costs. The most significant change in mortgage rates is seen in the Mortgage 30Yr Average Rates, which fell by 6.15 points over the past week, currently not reported; similarly, the 30-Year Jumbo Average Rates decreased by 0.09 points over the last month. Borrowers should note that the lowest mortgage rate recorded is for the 30-Year USDA Average Rate at 5.947%, suggesting an opportunity for potential savings in financing.

A mortgage isn’t just a loan—it’s a stepping stone to a new beginning. At LendMesh, we know every decision matters, from choosing the right lender to locking in a rate that fits your goals. That’s why our platform was built to give you real options, not just the lowest rates but also trusted advice and lender partnerships that value your long-term success. With LendMesh, you can compare offers from leading credit unions and banks side by side, get answers to the questions you didn’t even know to ask, and find support every step of the way. Take control of your homebuying journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s make your dream home a reality—together.