January 26, 2026 | Lowest Fixed Conventional Rate Holds at 3.875%

As of January 26, 2026, mortgage rates at ALOHA PACIFIC remain steady with no changes over the past week or month. The 15 Year Conforming Fixed Purchase loan holds at a competitive 4.5%, representing the lowest rate available today. Similarly, the 30 Year Conforming Fixed Purchase loan remains unchanged at 5.0%. These stable yields indicate consistent borrowing costs for members considering new home purchases.

For buyers prioritizing lower monthly payments and longer terms, the 30-year fixed option provides predictable costs without recent volatility. Conversely, those aiming to reduce interest expense through quicker payoff may find value in the 15-year fixed, which maintains a notably lower rate by 50 basis points.

Members should assess their mortgage strategy carefully; with rates stable, locking in fixed-rate loans can offer budget certainty. Evaluating refinancing options may also be prudent if your current rate exceeds these benchmarks. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On January 26, 2026, 15-year fixed purchase loans hold the lowest rate at 4.77%, unchanged from one week ago and down 25 basis points compared to 30 days prior. Meanwhile, 30-year fixed purchase loans remain steady at 5.686%, with no change over the past week and a decline of approximately 24 basis points month-over-month. These stable yields reflect modest easing in borrowing costs for homebuyers opting for fixed-rate mortgages. For members prioritizing predictable payments, the 15-year fixed program offers a lower yield spread and potentially faster equity accumulation. Conversely, the 30-year fixed option provides longer-term cost stability despite a higher rate environment. Members should evaluate their mortgage horizon carefully; consider fixed-rate options if you value payment certainty or assess refinancing only if potential savings exceed associated costs. For details, visit https://www.americanheritagecu.org/rates#mortgage.

As of January 26, 2026, AMERICA'S FIRST reports stable mortgage rates for purchase loans. The 15-Year Fixed Rate In-House remains at 5.25% with 1.0 point, unchanged over the past week and month, representing a consistent borrowing cost for buyers seeking shorter-term fixed payments. Meanwhile, the 30-Year Fixed Rate Purchase holds at 5.75% with 1.0 point, unchanged from last week but down by 37.5 basis points compared to 30 days ago, indicating a modest easing in long-term fixed rates that may benefit borrowers prioritizing lower monthly payments over an extended term.

For members evaluating mortgage strategies, those valuing payment stability might consider the 15-year fixed option, which offers predictability with no recent rate fluctuations. Conversely, buyers focused on cash flow could find the reduced 30-year fixed rate advantageous compared to last month’s levels. Assess your financial goals carefully and consider refinancing only when potential savings exceed associated costs.

For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of January 26, 2026, the 30-year Fixed-Rate Mortgage for purchase remains steady at 4.75%, showing no change over the past week or month. This stability in yield spreads indicates consistent borrowing costs, which benefits first-time homebuyers and those locking in long-term financing without rate volatility. Veterans and refinancing applicants should note that fixed-rate products continue to offer predictable payments amid market fluctuations elsewhere. Given this unchanged rate environment, members might consider fixed-rate options if they prioritize payment stability or evaluate refinancing opportunities when potential savings exceed associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 26, 2026, mortgage rates for purchase loans remain stable at 4.0% for the 15-Year Fixed Conforming and 4.5% for the 30-Year Fixed Conforming products. There has been no change in rates over the past week, indicating steady borrowing costs for members seeking fixed-rate mortgages. For first-time buyers and those prioritizing predictable payments, the 15-Year Fixed Conforming at 4.0% represents the lowest rate option, potentially reducing total interest expenses compared to longer terms. Veterans and members evaluating refinancing should note that unchanged yields suggest consistent market conditions; thus, assessing individual financial goals against current rates is advisable. Members may consider fixed-rate loans if stability is preferred or review refinancing possibilities when potential savings exceed associated costs. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.

On January 26, 2026, 15 Year Fixed Purchase loans remain at a competitive 4.625%, unchanged from one week ago and down 12.5 basis points compared to 30 days prior. Similarly, the 30 Year Fixed Purchase mortgage holds steady at 5.5%, with no weekly change and a decrease of 12.5 basis points over the past month. These stable yields suggest modestly lower borrowing costs for homebuyers compared to last month, potentially benefiting those seeking predictable payment structures. First-time buyers and long-term homeowners may find the fixed rates advantageous for budgeting and financial planning. Given minimal short-term movement, members should evaluate whether locking in current fixed rates aligns with their mortgage strategy or consider refinancing if projected savings outweigh transaction expenses. For details, visit https://fccu.org/rates/home-loan-rates.

As of January 26, 2026, FIRST FINANCIAL OF MARYLAND reports steady mortgage rates with no change in yields over the past week and month. The 15-Year Land Loan remains at 6.25%, reflecting a stable cost of borrowing for shorter-term fixed loans. Similarly, the 30-Year Fixed Purchase rate holds at 5.875%, representing the lowest available fixed rate in today’s offerings.

For members prioritizing long-term payment predictability, the 30-Year Fixed offers consistent yield spreads without recent volatility. Meanwhile, those considering land acquisition through the 15-Year Land Loan benefit from unchanged rates despite prior fluctuations earlier this year.

Given current stability, borrowers should evaluate if locking in these rates aligns with their financial strategy. For instance, first-time homebuyers might find the fixed 30-year option advantageous for budget certainty; others may consider refinancing only if potential savings exceed transaction costs.

Consider your mortgage approach based on these transparent rate trends. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

On January 26, 2026, the 15 Year Fixed Rate Purchase mortgage increased by 12.5 basis points to 3.875%, reflecting a modest rise in yield spreads that may slightly elevate borrowing costs for buyers seeking shorter-term loans. Conversely, the 30 Year Fixed Rate Purchase remains steady at 5.0%, maintaining current cost levels for long-term home financing.

For members prioritizing predictable payments, the slight uptick in the 15-year fixed rate suggests evaluating fixed-rate options carefully against potential future increases. First-time buyers and those aiming for quicker equity accumulation should weigh this increase against their budget constraints. Meanwhile, stability in the 30-year fixed rate offers consistent planning for those focused on long-term affordability.

Given these movements, members should consider their mortgage strategy in light of changing rates; reviewing refinancing options may be prudent if potential savings exceed associated costs. For details, visit https://www.hawaiiusafcu.com/resources/planning-tools/rates-fees/mortgage-rates.

On January 26, 2026, Houston FCU reports notable shifts in mortgage yields. The 15-Year Fixed Purchase rate dropped significantly by 261.5 basis points over the past week to a competitive 4.875%, marking the lowest available rate today and reducing the cost of borrowing for buyers seeking shorter-term loans. Conversely, the 30-Year Fixed Purchase rate remains steady at 5.75%, unchanged from last week but down 37.5 basis points compared to 30 days ago, indicating modest easing in long-term fixed rates.

For first-time buyers or those prioritizing predictable payments, the lower 15-year fixed rate can offer substantial interest savings despite higher monthly payments. Meanwhile, those targeting longer amortization periods may benefit from stable 30-year fixed rates, allowing manageable monthly obligations with reduced yield spreads versus recent months.

Members should evaluate mortgage strategies carefully; consider fixed-rate options if payment stability is paramount or assess refinancing opportunities where rate reductions surpass transaction costs.

For details, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of January 26, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.75% with 1.9 points, unchanged over the past week but down 39 basis points compared to 30 days ago. This reduction in yield spread lowers the cost of borrowing for buyers seeking shorter terms and faster equity buildup. Similarly, the 30-Year Fixed Purchase rate holds at 5.50% with 1.9 points, stable week-over-week and decreased by 23 basis points from a month prior, benefiting borrowers prioritizing long-term payment stability.

Members considering purchase loans should evaluate fixed-rate options for predictable payments amid recent downward shifts; those weighing refinancing might find improved rates justify revisiting their mortgage strategy to reduce total interest expense. For details, visit https://www.vcu.com/rates#mortgage-rates.

Mortgage rates have seen a slight increase today, with the 15-Year Fixed Rate Jumbo now at 6.331%, up by 0.07 basis points from yesterday. The 30-Year Fixed Rate Jumbo has also risen to 6.341%, reflecting a modest increase of 0.05 basis points in the same timeframe. Over the past week, the 15-Year Fixed Rate Jumbo has experienced a notable increase of 0.14 basis points, while the 30-Year Fixed Rate Jumbo remains relatively stable with only a minor change. Borrowers should be aware that these shifts may affect overall borrowing costs, making it essential to evaluate loan options carefully in light of current trends.

The current Breakeven Inflation Rate for 10 years is at 2.320%, while the 5-year rate stands at 2.460%, indicating stable inflation expectations. However, mortgage rates have seen significant declines, particularly in the Mortgage 30Yr Jumbo Average Rates, which dropped by 6.31 points today and has fallen by 6.37 points over the past 30 days, reflecting increased borrowing costs for consumers. The lowest mortgage rate recorded is the 30Yr FHA Average Rate at 5.973%. As these rates fluctuate, potential borrowers should remain attentive to inflation signals and market trends to make informed decisions on financing options.

For many buyers, the path to homeownership starts with questions—about mortgage rates, lender choices, and what really makes a good deal. At LendMesh, we’re here to turn those questions into confidence. Our platform connects you with credit unions and banks that compete for your trust, not just your business. Whether you want to compare rates, explore home loan programs, or simply get advice from someone who’s been there, you’ll find it all in one easy-to-use place. Begin your journey by visiting our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . LendMesh is committed to making your home buying process smart, transparent, and empowering.