January 13, 2026 | VA Fixed Mortgage Rates Drop to 4.50%, Lowest Today

As of January 13, 2026, Federal VA Loans for purchase maintain a stable cost of borrowing with slight downward adjustments. The 15-year fixed VA loan rate stands at 5.00%, representing a 12.5 basis point decline from last week and the past month, signaling modest yield spread tightening. Similarly, the 30-year fixed VA loan rate is at 5.50%, also down 12.5 basis points over seven and thirty days. These decreases can benefit veterans and active-duty members seeking to minimize interest expenses on new home purchases or those evaluating long-term financial commitments. Borrowers valuing payment stability may find these fixed-rate options advantageous amid current market conditions. Consider assessing your mortgage strategy in light of these small but meaningful rate improvements; refinancing could be worthwhile if potential savings exceed associated costs. For details, visit https://www.capitalcu.com/mortgage-rates.

As of January 13, 2026, 15-year VA Loans maintain a steady rate of 5.125%, unchanged over the past week and month. Similarly, 30-year VA Loans hold firm at 5.625%, with no movement in yield spreads during the same periods. This stability in government-backed VA fixed rates suggests consistent borrowing costs for eligible veterans and active service members considering home purchases. For those prioritizing predictability in monthly payments, these unchanged fixed rates provide a reliable benchmark for evaluating mortgage affordability. Members should assess their long-term financial plans carefully; those seeking to minimize interest expenses might favor the 15-year VA Loan's lower rate and shorter term. Given current conditions, it is prudent to review refinancing options or new purchase strategies when rates remain stable. For details, visit https://www.cu1.org/rates#real-estate-rates.

As of January 13, 2026, 15-year fixed purchase mortgages remain at a competitive 4.99% with 2.0 points, showing no change from both one week and one month ago. This stability in the 15-year fixed rate preserves borrowing costs for members seeking shorter-term financing with predictable payments. Meanwhile, the 30-year fixed purchase mortgage holds steady at 5.375% with 1.75 points, unchanged over the past seven and thirty days. This consistency benefits buyers prioritizing long-term payment stability amid current market conditions.

For members evaluating options, the lack of recent yield spread fluctuations suggests a favorable environment to assess fixed-rate products based on individual financial goals. Consider your mortgage strategy carefully; if you value payment certainty, fixed-rate terms remain reliable. For refinancing candidates, stable rates warrant a thorough cost-benefit analysis to determine potential savings.

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

As of January 13, 2026, 15-year Fixed VA purchase loans offer the lowest rate at 5.0%, down 12.5 basis points from last week and the past 30 days. Similarly, the 30-year Fixed VA purchase rate stands at 5.5%, also reflecting a 12.5 basis point decrease over both one week and one month. These modest declines in yield spreads reduce the overall cost of borrowing for veterans and first-time buyers seeking stability with fixed-rate mortgages. Members considering long-term home financing may benefit from locking in current rates, given their recent downward trend. Evaluating refinancing options might also be prudent if the savings exceed associated costs. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On January 13, 2026, VA 15-Year Fixed Purchase loans offer the lowest rate at 4.75%, down 25 basis points from one week ago and 38 basis points lower than 30 days prior. This decline reduces the cost of borrowing for veterans seeking shorter-term financing, potentially lowering monthly payments and total interest outlay. Meanwhile, the VA 30-Year Fixed Purchase rate stands at 5.375%, also decreasing by 25 basis points over the past week and 38 basis points in the last month. Longer-term borrowers may find improved affordability with these shifts in yield spreads, impacting long-term payment stability. Members should evaluate fixed-rate options if they prioritize predictable payments or consider refinancing if potential savings exceed associated costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of January 13, 2026, 15-year VA fixed-rate mortgages offer the lowest rate at 4.875%, reflecting a notable decline of 25 basis points from last week. This reduction improves borrowing costs for veterans seeking shorter-term financing, potentially lowering monthly payments and total interest outlay. Meanwhile, the 30-year VA fixed-rate mortgage stands at 5.25%, down by 12.5 basis points over the past seven days, providing moderate relief for those prioritizing long-term payment stability. These shifts suggest tightening yield spreads on VA loans, which may influence veterans’ decisions on purchase timing or refinancing strategies. Members should consider fixed-rate options if they value predictable payments and evaluate refinancing if potential savings surpass transaction costs to optimize their mortgage portfolios. For details, visit https://www.macu.com/rates/home.

As of January 13, 2026, Navy Federal Credit Union reports a modest decline in mortgage rates for key purchase programs. The 15-year fixed VA loan rate decreased by 12.5 basis points to 4.75%, marking a notable drop from both last week and the past month, where it fell 25 basis points. This reduction lowers borrowing costs for veterans seeking shorter-term financing with stable payments.

Similarly, the 30-year fixed Military Choice program saw a 12.5 basis point decline to 6.125%, down 37.5 basis points over 30 days, easing long-term purchase affordability for military members and their families who prioritize payment predictability.

These shifts suggest improved yield spreads in government-backed and specialized military mortgage options, benefiting borrowers focused on fixed-rate stability. Members should evaluate whether locking in current rates aligns with their financial goals, especially if they value consistent monthly payments or are planning new home purchases.

Consider assessing refinancing opportunities or fixed-rate options to optimize your mortgage strategy amid these rate movements. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of January 13, 2026, 15-Year Fixed Purchase mortgage rates stand at a competitive 4.5%, reflecting a 12.5 basis point decrease from last week and a 25 basis point decline compared to 30 days ago. Similarly, the 30-Year Fixed Purchase rate is at 5.125%, down by 12.5 basis points over seven days and 25 basis points month-over-month. These reductions in yield spreads translate into lower borrowing costs for members seeking fixed-rate stability, benefiting first-time buyers prioritizing predictable payments. The continued downward trend suggests refinancing opportunities may reduce long-term expenses for existing homeowners locked into higher rates. Members should consider fixed-rate options if they value payment consistency and evaluate refinancing only when potential savings exceed transaction costs. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

On January 13, 2026, the 15-year Fixed VA Loan for purchase remains at a 5.00% interest rate, unchanged from one week ago but down 62.5 basis points compared to 30 days prior. This stable yield spread suggests consistent borrowing costs for veterans considering home purchases, while the notable month-over-month decrease may enhance affordability for qualified buyers. For members prioritizing predictable payments and long-term planning, this fixed-rate option offers cost stability amid fluctuating markets. Given this rate environment, evaluating your mortgage strategy, particularly if you are a veteran or first-time buyer, can help optimize financing costs. Consider fixed-rate loans if you value payment certainty; review your options carefully before refinancing to ensure potential savings exceed associated expenses. For details, visit https://www.sierracentral.com/borrow/real-estate-loans.

As of January 13, 2026, VA 15-Year Fixed Purchase rates stand at a competitive 4.75%, marking a decrease of 12.5 basis points from one week ago and 25 basis points over the past month. This reduction in yield spreads lowers the cost of borrowing for veterans seeking shorter-term fixed-rate financing. Meanwhile, the VA 30-Year Fixed Purchase rate has declined by 37.5 basis points both weekly and monthly to 5.375%, offering long-term stability with improved affordability compared to recent weeks.

These rate shifts suggest that veterans purchasing homes can benefit from reduced borrowing costs, especially when opting for the more stable 30-year term. Members should evaluate their mortgage strategy carefully; those prioritizing payment consistency might consider fixed-rate options, while others may assess refinancing if projected savings surpass associated costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of January 13, 2026, mortgage rates are showing mixed trends for Jumbo loans. The 15-Year Fixed Rate Jumbo stands at 6.127%, unchanged from yesterday but down 22 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo has slightly increased to 6.295%, reflecting a minor rise of 1 basis point in one day and a slight decline of 4 basis points over the last week. For borrowers, these fluctuations indicate that while short-term rates are stable, longer-term borrowing costs may be slightly rising. Monitoring these changes is crucial for making informed mortgage decisions in a fluctuating market.

As of January 13, 2026, inflation expectations remain stable, with the Breakeven Inflation Rate 10Yr at 2.290% and the 5Yr at 2.360%. This stability in inflation may influence borrowing costs, particularly as mortgage rates fluctuate significantly. The largest one-day change was seen in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.37 points, reflecting broader market adjustments. Over the past month, this rate decreased by 6.48 points, potentially impacting affordability for borrowers. Currently, the lowest reported mortgage rate is for 30Yr FHA loans at 5.942%. For potential homebuyers, monitoring these trends is essential for making informed financial decisions.

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