January 9, 2026 | Lowest Refinance Fixed Rate at 4.75% Today

As of January 9, 2026, 15-Year Fixed-Rate Conventional Refinance loans maintain a steady rate of 5.5%, unchanged over the past week and month. Similarly, the 30-Year Fixed-Rate Conventional Refinance option remains at 6.0%, with no movement in the last 7 or 30 days. These stable yield spreads suggest a consistent cost of borrowing for members seeking to refinance their mortgages. For those prioritizing lower monthly payments and longer-term predictability, the 30-year fixed offers rate stability without added points. Conversely, borrowers aiming to reduce overall interest expense may find the 15-year fixed advantageous due to its lower rate. Given no recent rate shifts, members should evaluate refinancing only if projected savings outweigh associated fees or consider fixed-rate solutions for budget certainty.

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

On January 9, 2026, the 30-Year Fixed Refinance rate remains steady at 6.00%, showing no change over the past week. This stability in yield spreads means borrowing costs for refinancing have not fluctuated, allowing members to plan with predictability. For homeowners considering refinancing, particularly those looking to lock in fixed payments, this consistent rate environment supports evaluating long-term cost reductions without immediate pressure from rising rates. First-time buyers and veterans are not represented in today’s available refinance options; however, members prioritizing payment stability may find the 30-Year Fixed Refinance product advantageous. Given the absence of recent rate movement, it is prudent to assess individual mortgage strategies and consider refinancing if projected savings surpass associated costs. For details, visit https://www.broadviewfcu.com/personal/home-lending-solutions/refinance-and-save/.

On January 9, 2026, refinance rates for Fixed 15-year and Fixed 30-year loans at Delta Community show an uptick of 12.5 basis points compared to one week ago. The 15-year fixed refinance rate rose to 5.0%, now matching its level from three months prior, while the 30-year fixed refinance rate increased to 5.5%. These adjustments reflect a modest increase in borrowing costs over the past week, impacting members seeking to lower monthly payments or shorten loan terms.

For members prioritizing rate stability, fixed-rate refinancing remains a sound option, though current yields suggest evaluating timing carefully. First-time buyers and veterans should monitor these trends closely when planning their mortgage strategy, as even small rate shifts influence long-term financing costs.

Consider reviewing your mortgage portfolio to determine if refinancing benefits outweigh associated expenses given these recent rate movements. For details, visit https://www.deltacommunitycu.com/personal/loans/home-loans.html.

As of January 9, 2026, refinance rates for 15 Year Fixed loans remain at a competitive 4.75%, holding steady over the past week but down by 12.5 basis points compared to 30 days ago. The 30 Year Fixed refinance rate is unchanged from last week at 5.625%, also reflecting a modest decrease of 12.5 basis points relative to one month prior. These trends suggest a slight easing in borrowing costs over the past month, which may benefit members considering refinancing to reduce long-term interest expenses. Borrowers prioritizing payment stability might evaluate the 15 Year Fixed option given its lower yield and shorter term, while those seeking longer amortization can review the 30 Year Fixed terms with current rates in mind. Members should assess their refinancing options carefully, particularly if potential savings outweigh associated costs.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of January 9, 2026, LANGLEY credit union reports stable mortgage rates for refinancing. The 30-year fixed refinance rate remains steady at 4.99%, unchanged over the past week and month, indicating consistent borrowing costs for long-term debt holders. Similarly, the 15-year fixed refinance rate holds at 5.00%, with no change over seven or thirty days, offering a slightly higher yield spread but potentially lower total interest expense for borrowers seeking quicker payoff.

This rate stability benefits members evaluating refinancing options by providing predictable cost forecasts. Borrowers prioritizing payment consistency may consider the 30-year fixed as a low-volatility choice, while those aiming to reduce total interest might evaluate the 15-year fixed despite its marginally higher rate.

Given these trends, members should analyze their financial goals and loan terms carefully; consider refinancing if projected savings exceed transaction costs. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of January 9, 2026, Conventional 15-Year Fixed Refinance rates hold steady at 4.875%, unchanged from one week ago but down 25 basis points compared to 30 days prior. This represents the lowest rate option available today, potentially reducing the cost of borrowing for members seeking shorter-term refinancing solutions. Meanwhile, the Homebuyers Choice 30-Year Fixed Refinance remains at 6.375%, stable over the past week and decreased by 12.5 basis points since last month, reflecting a modest easing in long-term fixed mortgage yields.

Members aiming to lower monthly payments or shorten loan duration may find these rate trends impactful; those valuing payment stability should consider fixed-rate options. Given recent declines, evaluating refinancing strategies could optimize long-term financial outcomes if potential savings outweigh associated costs.

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

As of January 9, 2026, 15-year fixed refinance rates remain steady at 5.0%, showing no change from one week ago and a modest decrease of 12.5 basis points compared to 30 days prior. This slight decline in yield spreads reduces the overall cost of borrowing for members aiming to shorten their loan term. Meanwhile, the 30-year fixed refinance rate holds firm at 6.0%, unchanged over both the past week and month, maintaining a stable benchmark for long-term financing.

Members considering refinancing can benefit from these trends by evaluating fixed-rate options; the 15-year fixed refinance offers lower rates, potentially decreasing interest expenses over time. Those prioritizing payment stability should assess their mortgage strategy in light of these minimal fluctuations, balancing term length with monthly affordability. Consider refinancing if projected savings exceed associated costs to optimize your financial position.

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

As of January 9, 2026, mortgage rates show a mixed trend. The 15-Year Fixed Rate Jumbo stands at 6.179%, increasing by 2 basis points from yesterday and decreasing by 23 basis points over the past week. In contrast, the 30-Year Fixed Rate Jumbo is currently at 6.293%, remaining stable from yesterday but down 35 basis points compared to last week. Borrowers may find opportunities in the slight fluctuation of rates; however, those considering a 30-Year Fixed Rate Jumbo should note its recent decline. Overall, monitoring these changes can aid borrowers in making informed decisions regarding their financing options.

As of January 9, 2026, breakeven inflation rates indicate moderate inflation expectations, with the 10-year rate steady at 2.270% and the 5-year rate at 2.310%. These expectations can influence mortgage rates, which remain relatively stable; notably, the 15-year average mortgage rate is at 5.460%, while the 30-year FHA rate is at a low of 5.962%. The most significant recent decline was seen in the 30-year jumbo average rates, which fell by 0.25 points over the past week, impacting borrowing costs for larger loans. Borrowers should consider these trends when assessing mortgage options and potential refinancing opportunities, as stable inflation signals may support lower borrowing costs moving forward.

Have you ever wished someone would just simplify the mortgage process? That’s the inspiration behind LendMesh. Our team of advisors has helped buyers and homeowners from all walks of life, and we know how confusing all those rates, terms, and lender choices can be. That’s why we work with a network of credit unions and banks who share our commitment to clarity and transparency. On LendMesh, you’ll find straightforward tools, easy comparisons, and the kind of personalized support that takes the stress out of home loans. Whether you’re buying, refinancing, or just exploring your options, you’re invited to our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans where your questions are always welcome.