January 17, 2026 | Lowest Adjustable ARM Rate Holds at 4.00% Today

On January 17, 2026, the 7/6 Adjustable Rate Mortgage (ARM) for purchase purposes remains steady at a competitive 4.75%, unchanged over the past week and consistent with rates observed 45 to 90 days ago. This stability in yield spreads suggests no immediate increase in the cost of borrowing for members considering adjustable-rate options. For prospective homebuyers, particularly those comfortable with initial rate adjustments after seven years, this offers predictable short-term financing costs. While fixed-rate alternatives are not listed today, members should evaluate their tolerance for potential rate fluctuations post-adjustment. Given the current market consistency, first-time buyers and seasoned purchasers alike may benefit from monitoring ARM trends closely. For members prioritizing long-term payment certainty, assessing fixed-rate programs remains advisable. Consider refinancing only if projected savings surpass associated fees. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 17, 2026, the 7/1 ARM Adjustable Purchase loan remains steady at 5.00% with 1.0 point, unchanged over both the past week and month. This stability in yield spreads means borrowing costs for adjustable-rate borrowers have not shifted recently, preserving predictable initial payments for first-time buyers considering adjustable terms. While veterans and those seeking refinancing options are not represented in today’s data, members evaluating purchase financing with adjustable rates can expect consistent market conditions. Given this flat trend, members should consider fixed-rate alternatives if they prioritize payment stability, or evaluate their mortgage strategy carefully to time potential rate changes beyond the initial adjustment period. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of January 17, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase loans at 4.00% remains unchanged from one week ago but has decreased by 25 basis points compared to 30 days prior. This reduction in yield spread reflects a modest easing in borrowing costs for buyers opting for adjustable-rate products. For prospective homebuyers, particularly those comfortable with rate variability, this stable rate environment may improve affordability relative to last month’s levels. However, borrowers should weigh potential future adjustments inherent in ARMs against current rates. Given these dynamics, members should evaluate their mortgage strategy carefully, considering fixed-rate alternatives if they prioritize payment stability or assess refinancing opportunities when potential savings outweigh associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

On January 17, 2026, the 30-year Adjustable 10yr/6mo ARM Purchase rate increased by 12.5 basis points, moving from 5.375% last week to 5.5% today. This rise also reflects a similar increase over the past 30 days, indicating a gradual upward trend in yield spreads for adjustable-rate mortgages. For prospective homebuyers considering this ADJUSTABLE loan product, the higher cost of borrowing may affect monthly payments after the initial fixed period. Borrowers valuing payment predictability might evaluate fixed-rate alternatives if available. Meanwhile, those planning to purchase with an ARM should assess potential rate adjustments over time against current market volatility. Given these changes, members should carefully consider their mortgage strategy and timing, particularly when weighing adjustable rates against long-term financial plans. For details, visit https://www.dcu.org/borrow/mortgage-loans/home-mortgage-loans.html.

As of January 17, 2026, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo remains steady at 6.197%, with no change over the past day; however, it has increased by 5 basis points over the last week and 3 basis points over the past month. In contrast, the 30-Year Fixed Rate Jumbo also holds at 6.323%, unchanged from yesterday but up 16 basis points from a week ago. Borrowers should note these fluctuations as they may impact their overall cost of borrowing. The current environment suggests careful consideration of loan options, particularly with the lowest rate being in the 15-Year Fixed Rate Jumbo category.

Current inflation expectations, as indicated by the Breakeven Inflation Rates, are stable, with the 10-Year rate at 2.330% and the 5-Year rate at 2.390%. These figures suggest a steady outlook for inflation, which can influence mortgage rates and the cost of borrowing. Notably, the largest weekly decline occurred in the Mortgage 30Yr Usda Average Rates, decreasing by 0.17 points, while the most significant drop over the past 30 days was also seen in this category, falling by 0.27 points. The lowest mortgage rate recorded is 5.380% for 15-Year mortgages. Borrowers may find advantageous conditions given these shifts, particularly in USDA loans, reflecting evolving market dynamics.

At LendMesh, we know that the best mortgage is the one that fits your life, not just your budget. Maybe you’re ready to upgrade for more space, or perhaps you’re downsizing to something simpler. Our platform brings together trusted names from the banking and credit union world, letting you compare rates, terms, and even lender philosophies. We see ourselves as your financial partner—here to guide, explain, and empower. If you’re looking for a new way to shop for home loans, or you just want to check if your current deal is the best one out there, our Mortgage Loans page is a great place to start: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, your goals are always at the heart of our advice.