January 20, 2026 | Lowest VA Fixed Rate at 4.50% Holds Steady Today

As of January 20, 2026, Federal VA Loans for purchase maintain steady rates. The 15-year fixed VA loan remains at a competitive 5.0%, unchanged from last week and down 12.5 basis points compared to 30 days ago. Similarly, the 30-year fixed VA loan holds at 5.5%, also stable over the past week with a 12.5 basis point decline month-over-month. These modest decreases in yield spreads reduce borrowing costs slightly, benefiting veterans seeking long-term financing stability. For first-time buyers or those prioritizing predictability, the consistent rates on these government-backed loans support informed mortgage planning. Members should consider locking fixed-rate options now or evaluate refinancing if their current rates exceed today’s benchmarks by a meaningful margin.

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

As of January 20, 2026, CREDIT UNION 1 reports stable mortgage rates on key VA loan products. The 15-year VA Loan holds steady at a competitive 5.125%, representing the lowest rate available today with no change over the past week or month. Similarly, the 30-year VA Loan remains unchanged at 5.625%, maintaining consistent yield spreads over the last 30 days. These flat rate movements indicate a stable cost of borrowing for veterans seeking fixed-rate financing for home purchases. Members considering long-term planning may find the 15-year VA Loan’s lower rate beneficial for reducing total interest costs, while those prioritizing manageable monthly payments might prefer the 30-year term despite its higher rate. Given these steady conditions, members should evaluate their mortgage strategies carefully and consider fixed-rate options if they value predictability in payments.

For details, visit https://www.cu1.org/rates#real-estate-rates.

As of January 20, 2026, CREDIT UNION WEST reports stable mortgage rates for purchase loans. The 15-year Fixed Purchase loan remains at 4.99% with 2.0 points, unchanged from both one week and one month ago, reflecting steady yield spreads and consistent borrowing costs for shorter-term fixed financing. Meanwhile, the 30-year Fixed Purchase loan holds at 5.375% with 1.75 points, also unchanged over seven and thirty days, indicating persistent long-term rate levels despite minor fluctuations in broader markets.

For members prioritizing lower monthly payments and longer amortization, the 30-year fixed rate offers predictability without recent cost increases. Conversely, borrowers seeking to minimize total interest expenses may find the 15-year fixed rate at 4.99% more cost-effective given its lower yield.

Given these stable conditions, members should evaluate their mortgage strategy carefully; consider locking fixed-rate options if rate stability aligns with financial goals or explore refinancing only if anticipated savings exceed associated costs.

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

As of January 20, 2026, 15-year Fixed Purchase loans are offered at 5.0%, holding steady over the past week but down 12.5 basis points from 30 days ago. Similarly, 30-year Fixed Purchase loans remain at 5.5%, unchanged in the last seven days and also decreased by 12.5 basis points month-over-month. These marginal declines in yield spreads suggest a slight easing in borrowing costs for homebuyers compared to last month.

For first-time buyers and those prioritizing shorter-term financing, the 15-year fixed rate presents a lower cost of borrowing with stable pricing. Meanwhile, borrowers seeking longer terms can benefit from the consistent 30-year fixed rate, which offers predictability amid fluctuating markets. Members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is paramount or assess refinancing opportunities if potential savings exceed associated costs.

For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On January 20, 2026, VA 15-Year Fixed Purchase rates increased by 12.5 basis points to 4.875%, marking a slight uptick from last week but remaining the lowest rate available among today's options. Similarly, the VA 30-Year Fixed Purchase rate rose by 12.5 basis points to 5.5%, continuing a modest upward trend over seven days while still down 12.5 basis points compared to 30 days ago. These changes imply a marginal increase in the cost of borrowing for veterans pursuing fixed-rate loans, particularly impacting those seeking longer-term financing with the 30-year term. First-time buyers and veterans should weigh the benefits of shorter-term stability against potential interest savings. Members may consider fixed-rate options if prioritizing payment predictability or evaluate refinancing opportunities if projected savings exceed associated costs.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates

As of January 20, 2026, the 30-year Fixed VA Loan for home purchase is priced at 6.601%, marking a significant increase of 164 basis points compared to one week ago and up 136 basis points versus 30 days prior. This rise in yield spreads reflects higher borrowing costs for veterans seeking to purchase homes with VA-backed financing. For first-time buyers and veteran borrowers, the upward movement in fixed VA rates may affect affordability and monthly payments, emphasizing the importance of locking in rates promptly if stability is preferred. Given these trends, members should carefully assess their mortgage strategies and consider refinancing options only if projected savings clearly offset associated costs. For details, visit https://forteracu.com/banking/personal/loans/home-loans/mortgage.

On January 20, 2026, 15-year VA fixed purchase loans maintain the lowest rate at 5.00%, unchanged from one week ago and down 12.5 basis points compared to 30 days prior. Similarly, the 30-year VA fixed purchase loan rate holds steady at 5.25%, with no weekly change and a decrease of 12.5 basis points over the past month. These stable yield spreads indicate consistent borrowing costs for veterans seeking home purchase financing.

For veterans considering long-term financing, the slight month-over-month decline in rates may reduce overall interest expenses, benefiting those prioritizing predictable payments. Given this data, members should evaluate fixed-rate options for their stability and consider refinancing if potential savings exceed associated costs.

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

As of January 20, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.50%, holding firm over the past week with no change and down 12.5 basis points compared to 30 days ago. This represents a moderate decline in borrowing costs for buyers seeking shorter-term fixed loans, potentially reducing total interest paid over the loan life. Meanwhile, the 30-Year Fixed Purchase rate persists at 5.25%, unchanged both weekly and monthly, maintaining yield stability for those prioritizing long-term payment consistency.

Members considering home purchases should weigh the advantage of the lower 15-Year Fixed rate if aiming to minimize interest expense despite higher monthly payments. Conversely, the unchanged 30-Year Fixed rate offers predictable costs without recent volatility. Evaluating your mortgage strategy with these current rates can help optimize financing decisions; consider fixed-rate options if you value payment certainty or assess refinancing when potential savings exceed transaction costs.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

Mortgage rates have shown mixed movements today, with 15-Year Fixed Rate Jumbo increasing to 6.221%, up by 0.03 basis points from yesterday, while the 30-Year Fixed Rate Jumbo decreased slightly to 6.306%, down by 0.02 basis points. Over the past week, the 15-Year Fixed Rate Jumbo has experienced a more significant rise of 0.11 basis points, indicating a trend towards higher costs for this loan type. Conversely, the 30-year option has declined by 0.08 basis points in the last month, reflecting some stability in borrowing costs for longer-term loans. Borrowers should consider these fluctuations as they navigate their mortgage options and assess potential impacts on their overall cost of borrowing.

Recent shifts in breakeven inflation rates signal changing inflation expectations, which directly impact mortgage rates and the overall cost of borrowing. The Breakeven Inflation Rate 5Yr saw the most significant decline, dropping by 2.39 percentage points in one day, while the Mortgage 30Yr Jumbo Average Rates fell by 6.43 points over the past week, indicating a competitive environment for borrowers. Notably, the lowest mortgage rate recorded was for the 15-Year Average Rates, which remains at 0.000%. These fluctuations highlight how borrowers should remain vigilant about market conditions and evaluate their financing options carefully to secure favorable terms amidst evolving economic signals.

Every mortgage journey is unique, and so is every buyer’s story. Maybe you’re navigating the process for the first time, or maybe you’re a seasoned homeowner looking for a smarter refinance. Either way, LendMesh is here for you. We’re proud to partner with institutions big and small, from household-name banks to community credit unions who know your local market inside and out. Our expert-written guides and side-by-side comparisons mean you always have the information you need, without the hassle or guesswork. Want to see what’s out there? Visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . At LendMesh, homebuying doesn’t have to be complicated—it can even be inspiring.