January 24, 2026 | Lowest Adjustable ARM Rate Holds at 4.00% Today

On January 24, 2026, the 7/1 Adjustable Rate Mortgage (ARM) for Purchase loans holds steady at a 4.75% interest rate with 1.0 point. This rate remains unchanged from one week ago but reflects a notable decline of 25 basis points compared to 30 days prior, indicating a gradual easing in borrowing costs over the past month. For prospective homebuyers utilizing this ARM product, the stable weekly rate coupled with recent reductions can improve affordability in initial years before adjustment periods begin.

Members considering adjustable-rate options should weigh the benefits of lower starting rates against potential future yield spreads, especially as market volatility may impact subsequent adjustments. Veterans and first-time buyers relying on adjustable programs may find current conditions favorable for entry-level purchasing but should evaluate long-term cost implications carefully.

Given these movements, members are advised to analyze their mortgage strategy thoroughly and consider locking in fixed-rate alternatives if stability is paramount or assessing refinancing opportunities if potential savings exceed associated costs. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of January 24, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for purchase remains steady at a 4.00% interest rate, unchanged from one week ago but down 25 basis points compared to 30 days prior. This decline in yield spreads reduces the cost of borrowing for members considering adjustable-rate loans, potentially lowering initial monthly payments relative to fixed-rate alternatives. For first-time buyers or those with variable income, this stability may offer an opportunity to enter the market with predictable near-term costs. Veterans and refinancing borrowers should monitor ARM trends closely, as future adjustments depend on market fluctuations beyond the initial fixed period. Members seeking long-term certainty might evaluate fixed-rate options if they prioritize payment stability. Given current movements, consider your mortgage strategy carefully; refinancing could be beneficial if projected savings outweigh associated fees. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 24, 2026, mortgage rates are mixed, with the 15-Year Fixed Rate Jumbo remaining unchanged at 6.266%, while the 30-Year Fixed Rate Jumbo also holds steady at 6.290%. Over the past week, the 15-Year Fixed Rate Jumbo saw an increase of 0.07 basis points, reflecting slight upward pressure in the market. In contrast, the 30-Year Fixed Rate Jumbo has decreased by 0.11 basis points over the last month, indicating a modest improvement in borrowing costs for long-term loans. Borrowers should consider these trends when evaluating their financing options, as even small shifts can impact overall loan affordability.

Inflation expectations, reflected in the Breakeven Inflation Rates, can significantly impact mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rate stands at 6.090%, with a minor increase of 3 basis points over the past week. The largest recent change was seen in the Mortgage 30Yr Usda Average Rates, which fell by 17 basis points over the last seven days, emphasizing a potential opportunity for borrowers seeking lower costs. The Breakeven Inflation Rate 5Yr increased by 22 basis points in the last month, indicating rising inflation expectations that could affect future interest rates. Borrowers should consider these trends when evaluating their financing options.

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