January 14, 2026 | Lowest Purchase Fixed Mortgage Rate at 4.50% Today

As of January 14, 2026, the 15-year Fixed Purchase mortgage rate stands at 4.875% with 1.0 point, marking a decline of 12.5 basis points from one week ago and approximately 11.5 basis points lower than one month prior. This narrowing yield spread reduces the cost of borrowing for members seeking shorter-term fixed-rate options, benefiting those prioritizing predictable payments and faster equity accumulation. First-time buyers may find this rate environment favorable for locking in stability amid fluctuating market conditions. Given these shifts, members should evaluate their mortgage strategy, particularly considering fixed-rate loans to manage interest rate risk effectively. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of January 14, 2026, FHA 15-Year Fixed Purchase rates have decreased by 25 basis points over the past week to 4.75%, marking the lowest rate currently available among FHA purchase options. This decline also reflects a 37.5 basis point reduction compared to 30 days ago, potentially lowering borrowing costs for buyers prioritizing shorter loan terms. The FHA 30-Year Fixed Purchase rate similarly dropped by 25 basis points week-over-week to 5.375%, decreasing long-term financing expenses for borrowers seeking extended repayment periods.

These shifts in yield spreads may influence first-time homebuyers evaluating upfront affordability and monthly payment stability. Members considering fixed-rate loans should weigh these adjustments against their financial plans; shorter terms offer faster equity buildup while longer terms may provide manageable payments.

Given current trends, members are advised to review mortgage strategies carefully and consider refinancing if projected savings exceed associated costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

On January 14, 2026, 15 Year Fixed FHA Mortgage rates for purchases decreased by 10 basis points, now at 4.99%, marking a significant reduction of 26 basis points compared to 30 days ago. This decline lowers the cost of borrowing for buyers seeking shorter-term FHA financing, benefiting those prioritizing faster equity buildup and lower total interest payments. Conversely, the 30 Year Fixed FHA Mortgage rate rose by 12.5 basis points from last week to 5.375%, maintaining stability over the past month. This increase impacts borrowers favoring longer terms with fixed payments, slightly elevating monthly costs and lifetime interest expenses.

Members should assess their mortgage horizon carefully; consider fixed-rate options if payment predictability is essential or evaluate refinancing opportunities when savings exceed associated fees. For details, visit https://www.gwcu.org/rates/homeloans.

As of January 14, 2026, the 30-year FHA Fixed Purchase mortgage rate has decreased to 5.5%, down by 12.5 basis points compared to one week and one month ago. This decline in yield spreads reduces the overall cost of borrowing for first-time buyers utilizing government-backed FHA loans, potentially lowering monthly payments and improving affordability. The persistent downward movement over the past 30 days suggests a more favorable financing environment for eligible borrowers seeking stable, long-term fixed-rate options. Members should assess their mortgage strategy carefully; those prioritizing payment predictability might consider locking in these lower fixed rates. Additionally, if refinancing, evaluate whether the rate reduction sufficiently offsets closing costs to achieve meaningful long-term savings. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

On January 14, 2026, 15-year FHA purchase loans remain at a competitive 4.875%, unchanged from last week and down 12.5 basis points compared to 30 days ago. This rate offers the lowest cost of borrowing among today's FHA options, benefiting buyers seeking shorter-term fixed payments with reduced interest expense over time. Meanwhile, the 30-year FHA purchase rate holds steady at 5.25%, also flat week-over-week and down 12.5 basis points month-over-month, providing stable yield spreads for borrowers prioritizing lower monthly payments.

For first-time homebuyers or those requiring government-backed financing, these rates suggest a favorable environment to lock in fixed terms; the unchanged rates indicate steady market conditions without immediate upward pressure. Members should evaluate their mortgage horizon, consider fixed-rate options if stability is a priority or reassess refinancing opportunities if longer-term savings justify closing costs.

For details, visit https://www.macu.com/rates/home.

On January 14, 2026, the FHA 30-Year Fixed Purchase mortgage rate stands at a competitive 5.25%, marking a decrease of 12.5 basis points compared to one week ago. This decline reduces the overall cost of borrowing for first-time homebuyers relying on government-backed loans, potentially improving affordability in today's housing market. The lower yield spread versus last week suggests a modest easing in long-term fixed rates, which may prompt borrowers prioritizing payment stability to evaluate fixed-rate options. Since the 30-day comparison is unavailable, members should monitor further trends before committing. Given this movement, buyers should consider locking in current rates if planning a purchase soon and review refinancing opportunities when the spread justifies transaction costs.

For details, visit https://www.pacificservice.org/rates#tab4.

As of January 14, 2026, 15-Year Fixed Purchase mortgage rates stand at 4.5%, marking a 12.5 basis points decrease from last week and the lowest rate in the current period. Similarly, the 30-Year Fixed Purchase rate has declined to 5.125%, down by 12.5 basis points over seven days and 25 basis points compared to 30 days ago. These declines reduce the cost of borrowing for homebuyers opting for fixed-rate loans, potentially lowering monthly payments and total interest expenses.

For first-time buyers prioritizing payment stability, the improved yields on fixed-rate products offer clearer budgeting advantages. Existing homeowners considering refinancing may find these lowered rates an opportunity to evaluate their mortgage strategy, especially if current terms exceed today’s rates by more than closing costs.

Members are encouraged to assess fixed-rate options carefully and consider refinancing when potential savings outweigh associated fees. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

On January 14, 2026, FHA 15-Year Fixed Purchase loans hold the lowest rate at 5.125%, down 12.5 basis points from last week and unchanged over the past month. Meanwhile, the FHA 30-Year Fixed Purchase rate stands at 5.75%, reflecting a similar weekly decrease of 12.5 basis points and a modest monthly decline of the same magnitude. These downward shifts in yield spreads slightly reduce the cost of borrowing for homebuyers using government-backed FHA loans. First-time buyers may find improved affordability with shorter-term options offering lower rates, while longer terms still provide stable financing at competitive yields. Members should consider fixed-rate programs to lock in predictable payments amid fluctuating market conditions and evaluate purchase timing based on these recent rate trends. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of January 14, 2026, 15-Year Fixed Rate Purchase loans are available at 5.125%, down 37.5 basis points from one week ago and 12.5 basis points lower than 30 days prior, reflecting a notable decline in borrowing costs for shorter-term fixed mortgages. Conversely, the 30-Year Fixed Rate Purchase loans remain steady at 5.49%, unchanged over the past week but reduced by 38.5 basis points compared to a month ago, indicating more gradual yield adjustments for longer terms.

These trends suggest improved affordability for buyers prioritizing quicker payoff periods, while those seeking long-term stability see consistent rates with moderate monthly reductions. Members evaluating purchase options should consider fixed-rate products for predictable payments amid fluctuating market conditions. For those with existing higher-rate debt, these developments may warrant assessing refinancing opportunities if potential savings outweigh transaction expenses.

For details, visit https://wsecu.org/loans/mortgage-purchase.

As of January 14, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo is currently at 6.091%, down by 0.02 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.280%, a slight decrease of 0.01 basis points over the same period. In the past week, the 30-Year Fixed Rate Jumbo increased by 0.06 basis points, indicating fluctuations in borrower costs. Over the last month, the 15-Year Fixed Rate Jumbo has decreased by 0.08 basis points, showcasing a more favorable trend for borrowers considering shorter-term loans. Borrowers should closely monitor these rates to optimize their financing options based on current trends and changes in the market.

Inflation expectations, indicated by the Breakeven Inflation Rates, are crucial for understanding mortgage rates and borrowing costs. Currently, the 10-Year Breakeven Rate is at 2.300%, unchanged from yesterday but slightly above last week's level. Over the past month, various mortgage rates have seen significant declines; notably, the 30-Year Jumbo Average Rate fell by 0.22 points, while the 30-Year FHA Average Rate decreased by 0.19 points. The lowest mortgage rate reported is the 15-Year Average Rate, which remains at 0.000%. Borrowers should remain vigilant as these shifts in rates can directly influence their borrowing decisions and overall financial strategy.

The path to homeownership can look different for everyone—maybe you’re taking things slow or perhaps you’re ready to make a move this season. At LendMesh, we see it all: teachers, business owners, families with big dreams, and retirees searching for something smaller. What unites them? The need for clear, unbiased advice. Our advisors connect you with a blend of community-focused credit unions and reputable banks, all on a platform built for real life, not just sales pitches. From understanding rate changes to budgeting for closing costs, our resources make your next steps easier. Discover how we can help by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story is unique, and your mortgage should be too.