January 12, 2026 | Lowest Conventional Fixed Rate Holds at 4.50%

As of January 12, 2026, AFFINITY credit union’s mortgage rates remain stable with no change over the past week or month. The 15-Year Fixed Rate Purchase loan holds steady at 5.125%, while the 30-Year Fixed Rate Purchase loan remains at 5.75%. These unchanged yields suggest consistent borrowing costs for members seeking fixed-rate mortgages. For buyers prioritizing lower monthly payments and long-term predictability, the 15-year fixed option at 5.125% represents the lowest available rate today. Stability in these rates benefits first-time homebuyers and those planning new purchases by reducing uncertainty in financing costs. Members should evaluate their mortgage strategy carefully; consider fixed-rate options if you value payment stability or assess refinancing only if potential savings exceed transaction costs.

For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 12, 2026, mortgage rates for ALOHA PACIFIC members remain steady. The 15 Year Conforming Fixed Purchase rate holds at a consistent 4.5% with 2.0 points, reflecting no change in the past week or month. Similarly, the 30 Year Conforming Fixed Purchase rate remains stable at 5.0% with 2.0 points over the same periods. This stability in yield spreads means borrowing costs have not increased, benefiting buyers seeking predictable payment schedules. First-time buyers and those prioritizing long-term financial planning can rely on these fixed-rate options to lock in current yields without exposure to rate volatility. Members evaluating home purchase strategies should consider the impact of steady fixed rates on affordability and loan budgeting. Given these unchanged conditions, it is prudent to assess your mortgage goals and consider fixed-rate loans if you value payment certainty.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of January 12, 2026, the 30-year Fixed-Rate Mortgage for Purchase remains steady at 4.75%, showing no change over the past 7 and 30 days. This stability in yield spreads translates to consistent borrowing costs for members seeking to buy homes with fixed-rate loans. For first-time buyers and those prioritizing predictable payments, this rate offers a reliable benchmark without recent volatility.

Veterans and refinance applicants should note that while this update does not include government-backed or refinance products, the current fixed purchase rates provide insight into broader market trends influencing borrowing costs.

Members are encouraged to consider fixed-rate options if they value payment stability amid unchanged rates. Evaluating mortgage strategies based on steady interest environments can help optimize long-term financial planning.

For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 12, 2026, 15 Year Fixed Mortgages are offering the lowest rates at 4.625%, down 25 basis points from one week ago and also 25 basis points lower than 30 days prior. This decline reduces the cost of borrowing for buyers seeking shorter-term loans and may enhance affordability for those prioritizing faster equity buildup. Meanwhile, the 30 Year Fixed Mortgage rate stands at 5.75%, reflecting a modest decrease of 12.5 basis points over the past week and month, improving long-term financing options for buyers who prefer stable monthly payments.

Members considering new purchases should evaluate these trends carefully; those favoring predictability might find fixed-rate products advantageous given current yield spreads. For homeowners reviewing their mortgage strategy, a sustained dip in rates warrants analysis of refinancing benefits relative to associated costs.

For details, visit https://www.fairwinds.org/rates#:~:text=Apply%20Now-,Mortgages,-Fixed%20Rate.

As of January 12, 2026, FIRST COMMUNITY reports stable mortgage rates for key fixed-rate purchase loans. The 15 Year Fixed Purchase rate remains at a competitive 4.75%, unchanged over the past week but down 12.5 basis points from 30 days ago. This lower yield spread reduces the cost of borrowing for borrowers seeking shorter-term financing with predictable payments. Meanwhile, the 30 Year Fixed Purchase rate holds steady at 5.625%, also unchanged week-over-week and down 12.5 basis points month-over-month, offering long-term stability amid moderate rate easing.

For members prioritizing payment consistency, these fixed-rate options present clear benchmarks for evaluating home purchase affordability or refinancing potential. Given recent modest declines, consider assessing your mortgage strategy, especially if a shorter term or fixed monthly payment aligns with your financial goals.

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

As of January 12, 2026, mortgage rates at FIRST FINANCIAL OF MARYLAND remain stable across key fixed-rate products. The 30-Year Fixed Purchase loan holds the lowest rate at 5.875%, unchanged over the past 7 and 30 days, maintaining a consistent cost of borrowing for long-term homebuyers. Similarly, the 15-Year Land Loan Purchase program is steady at 6.25%, with no movement in recent weeks; this stability benefits buyers focused on shorter-term financing for land acquisition.

For members prioritizing predictability, these flat yield spreads indicate a stable interest rate environment, reducing uncertainty in monthly payment calculations. First-time buyers and land purchasers can plan without anticipating near-term rate increases. Given this environment, consider fixed-rate options if you value rate certainty or evaluate your mortgage strategy to assess potential savings through refinancing when market conditions shift.

For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

On January 12, 2026, the 30-Year Fixed Purchase mortgage rate declined notably to 5.75%, down by 37.5 basis points compared to last week and maintaining a similar reduction over the past month. This decrease lowers the cost of borrowing for homebuyers seeking long-term stability, making fixed-rate options more attractive for those prioritizing predictable payments. Conversely, the 15-Year Home Improvement Loan rate remains steady at 7.49%, with no change over the last seven or thirty days, indicating consistent yield spreads for shorter-term financing.

Members evaluating home purchases should consider locking in current fixed rates to benefit from reduced yields. For those planning improvements, stable rates suggest refinancing might not yield immediate savings. Overall, assess your mortgage strategy carefully; consider refinancing if projected savings outweigh associated costs.

For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of January 12, 2026, 15-Year Fixed Rate Purchase loans remain steady at 5.375%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This rate continues to represent the lowest available option for borrowers seeking shorter-term fixed financing, potentially benefiting those prioritizing faster equity build-up despite a slightly higher monthly payment.

Conversely, the 30-Year Fixed Rate Purchase program has declined by 25 basis points over the past week, settling at 5.875%, down from 6.125%. This reduction lowers the cost of borrowing for long-term buyers and may enhance affordability for first-time homebuyers or those planning extended occupancy.

Members should evaluate their mortgage horizon; consider fixed-rate options for interest rate stability or reassess purchase timing in light of these shifts. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 12, 2026, the 30-year Fixed Rate Mortgage for home purchases stands at a notable low of 5.25% with 1.0 point, representing a decrease of 25 basis points compared to last week and a 37.5 basis point decline over the past month. This downward movement in yield spreads translates to a lower cost of borrowing, potentially improving affordability for buyers locking in long-term financing. First-time homebuyers may find this rate environment conducive to stable monthly payments, while those evaluating purchase timing should consider these favorable fixed rates amid recent volatility.

Given these shifts, members should assess whether securing a fixed-rate mortgage aligns with their financial plans, especially if they prioritize payment predictability. Those with variable-rate concerns or contemplating refinancing may also benefit from reviewing current fixed options to mitigate future rate risk.

For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

On January 12, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.75%, holding flat over the past week but down 39 basis points compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate stays at 5.50%, unchanged week-over-week and decreased by 23 basis points month-over-month. These stable yields indicate reduced borrowing costs relative to a month prior, benefiting buyers seeking predictable payments and long-term financing certainty.

For first-time buyers prioritizing lower interest and shorter terms, the 15-Year Fixed option offers the lowest rate today. Meanwhile, those focused on extended affordability may find the 30-Year Fixed advantageous given its recent downward trend in yield spreads. Members considering home purchase loans should evaluate fixed-rate programs for stability amid current market conditions.

Given these shifts, it is prudent to assess your mortgage strategy; consider fixed-rate options if you value payment consistency or explore refinancing opportunities where rate reductions exceed associated costs.

For details, visit https://www.vcu.com/rates#mortgage-rates.

As of January 12, 2026, mortgage rates are showing mixed movements. The 15-Year Fixed Rate Jumbo increased to 6.265%, up by 0.12 basis points from yesterday, while the 30-Year Fixed Rate Jumbo slightly rose to 6.320%, reflecting a minimal change of 1 basis point. Over the past week, the 30-Year Fixed Rate Jumbo has decreased by 0.06 basis points, indicating a slight easing in borrowing costs for this product. Comparatively, in the last month, the 15-Year Fixed Rate Jumbo has seen a marginal decline of 0.03 basis points. Borrowers should evaluate these shifts carefully, as even minor fluctuations can impact overall borrowing costs and financial planning strategies.

Current inflation expectations, as indicated by the Breakeven Inflation Rate, show stability around 2.280% for 10 years and 2.320% for 5 years. These rates influence mortgage rates, which have seen significant declines recently. The largest 1-day change was in the Mortgage 30Yr Jumbo Average Rates, dropping by 6.43 points to 6.427%, reflecting a broader trend of lower borrowing costs. Over the last month, these rates fell by 6.48 points, potentially easing the financial burden on borrowers. As inflation expectations remain steady, it may be an opportune time for consumers to consider refinancing or purchasing, given that the lowest mortgage rate currently is 5.764% for a 30-year VA loan.

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