January 10, 2026 | Lowest Adjustable ARM Rate Falls to 4.00% for Homebuyers

As of January 10, 2026, the 7/6 ARM Adjustable Rate Mortgage for Purchase remains steady at a competitive 4.75%, unchanged from both one week and one month ago. This stability in yield spreads indicates a consistent cost of borrowing for members considering adjustable-rate financing. For first-time buyers or those planning to hold their property short term, this fixed initial rate period offers predictable payments before adjustments begin. Veterans and other borrowers may find this product aligns with their strategic financing needs when evaluating market volatility. Given no recent rate fluctuations, members should assess whether locking in a fixed-rate mortgage better suits long-term budgeting or if the current ARM structure supports their financial goals. Consider your refinancing options carefully and compare potential savings against associated costs. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 10, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for purchase stands at a notable low of 4.00%, down 25 basis points from both one week and one month ago. This reduction in yield spreads lowers the overall cost of borrowing, benefiting members seeking flexible financing solutions amid fluctuating market conditions. First-time buyers may find this ARM option particularly appealing due to its initial lower rate compared to recent history, though they should weigh potential future adjustments against their long-term plans. Given the absence of fixed-rate options today, members are advised to carefully evaluate their mortgage strategy and consider how adjustable rates align with their financial goals. For those contemplating home purchase timing or refinancing, assessing the impact of these rate shifts on total loan costs remains essential. Consider refinancing if potential savings surpass associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 10, 2026, the 30-year Adjustable Rate Mortgage (10/6 ARM) for purchase loans stands at a rate of 5.25%, marking a decrease of 25 basis points compared to one week ago and 37.5 basis points lower than rates 30 days prior. This downward shift in yield spreads reduces the cost of borrowing for members opting for adjustable-rate products, particularly benefiting buyers who plan to sell or refinance within the initial fixed period. First-time homebuyers and those seeking flexibility may find this adjustment favorable, while veterans and refinancing clients should monitor market trends closely. Given the recent decline, members might consider evaluating their mortgage strategy, especially assessing whether an ARM aligns with their long-term financial goals amid fluctuating rates. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 10, 2026, adjustable-rate mortgage (ARM) products for purchase show stable yields at 5.375% for the 5/1 ARM, 5.5% for the 7/1 ARM, and 5.625% for the 10/1 ARM, all with zero points. Compared to one week ago, rates remain unchanged, reflecting no immediate shift in cost of borrowing over short-term intervals. However, these ARMs have decreased by approximately 12.5 basis points since 30 days ago, indicating a modest easing in yield spreads that may lower monthly payments slightly for new borrowers.

For first-time buyers or those seeking flexibility in interest rate resets, the current environment offers consistent pricing without recent volatility. Veterans and other members considering purchase loans might benefit from evaluating these ARMs relative to fixed-rate alternatives to balance rate stability against potential future savings.

Given this data, members should assess their mortgage strategy carefully; if payment predictability is a priority, fixed-rate options might be preferable, while those comfortable with periodic adjustments could capitalize on these lowered ARM rates. Consider refinancing only if projected savings exceed transaction costs.

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

On January 10, 2026, 7/1 ARM and 10/1 ARM purchase mortgage rates held steady at 5.75% and 5.875%, respectively. The 7/1 ARM rate decreased by 37 basis points compared to 30 days ago, signaling a reduced cost of borrowing for borrowers preferring an adjustable rate with shorter fixed terms. The 10/1 ARM remained unchanged over both the past week and month, maintaining consistent yield spreads for longer initial fixed periods.

For members considering purchase loans with adjustable rates, these stable or declining rates may offer opportunities to optimize borrowing costs amid fluctuating market conditions. First-time buyers might find the lower 7/1 ARM rate beneficial for near-term affordability, while those valuing predictability should assess the implications of potential future adjustments.

Given current trends, members should evaluate their mortgage strategy carefully; consider refinancing if potential savings exceed associated costs or explore fixed-rate alternatives if stability is a priority. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of January 10, 2026, mortgage rates for 15-Year Fixed Rate Jumbo loans remain unchanged at 6.146%, while 30-Year Fixed Rate Jumbo loans also hold steady at 6.307%. Over the past week, the 30-Year Fixed Rate Jumbo decreased by 0.34 basis points, reflecting a slight easing in borrowing costs, while the 15-Year Fixed Rate Jumbo saw a modest decline of 0.09 basis points in the last month. Borrowers may find this stability beneficial as they consider their financing options; however, vigilance is advised as market conditions can shift. Overall, the current rates suggest a mixed environment for borrowers looking to secure jumbo loans.

Current inflation expectations, indicated by the Breakeven Inflation Rates, are stable, with the 10-Year rate at 2.280% and the 5-Year rate at 2.320%. These stable inflation rates can contribute to steady mortgage rates, which currently show little change; however, the 30-Year FHA Average Rate is notably lower at 5.988%. Over the past week, the largest decline was observed in the 30-Year FHA Average Rates, down by 0.05 points, while the most significant 30-day drop occurred in the 15-Year Average Rates, decreasing by 0.08 points. Borrowers should consider these trends when evaluating their financing options, as consistent rates may present favorable borrowing conditions moving forward.

For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.