January 27, 2026 | Lowest VA Fixed Loan Rate Edges Up to 4.625%

As of January 27, 2026, the Federal VA Loans 15-year fixed purchase rate increased by 12.5 basis points, rising to 5.125% from last week’s 5.0%. This shift raises borrowing costs modestly for veterans seeking shorter-term loans, potentially affecting monthly payments and total interest paid. Conversely, the 30-year fixed VA purchase loan held steady at 5.5%, showing no change over the past seven days but down 12.5 basis points compared to 30 days ago, suggesting improved affordability for longer-term financing.

For veterans and first-time buyers, these movements underscore the value of locking in rates promptly, particularly if a stable monthly payment is a priority. Given recent fluctuations, evaluating fixed-rate options could provide cost certainty amid market shifts.

Members should consider refinancing only if projected savings clearly exceed transaction costs. For details, visit https://www.capitalcu.com/mortgage-rates.

As of January 27, 2026, 15-year VA Loans and 30-year VA Loans for purchase remain stable at 5.125% and 5.625%, respectively. There has been no change in yield spreads over the past week or month, indicating steady borrowing costs for veterans seeking fixed-rate financing. The unchanged rates suggest predictable payment structures for members prioritizing long-term financial planning or first-time VA borrowers evaluating their mortgage options. Given this stability, members may consider locking in current rates to maintain consistent monthly obligations. For those weighing fixed-term commitments, the 15-year VA Loan at 5.125% offers the lowest rate option today. Evaluating your mortgage strategy with these fixed rates can help balance affordability and loan duration effectively. For details, visit https://www.cu1.org/rates#real-estate-rates.

As of January 27, 2026, fixed-rate purchase mortgages at CREDIT UNION WEST remain steady. The 15-year fixed loan holds at a competitive 4.99% with 1.875 points, unchanged over the past week and month, representing a stable cost of borrowing for buyers prioritizing shorter terms and faster equity buildup. Meanwhile, the 30-year fixed purchase rate stands at 5.375% with 1.875 points, also unchanged from recent periods, offering predictability for those valuing long-term payment stability despite a slightly higher yield spread.

These consistent rates suggest limited volatility in mortgage yields, allowing members to evaluate their financing strategy with confidence. Borrowers seeking to lock in affordability may find the 15-year fixed option advantageous due to its lower rate. For those focused on manageable monthly payments, the 30-year fixed remains a viable choice without recent rate pressure.

Members should consider their individual financial goals and market conditions when assessing refinancing or new purchase options. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of January 27, 2026, 15-year Fixed Purchase loans remain at a competitive 5.0%, holding steady over the past week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-year Fixed Purchase loan rate is unchanged at 5.5% this week, reflecting a 12.5 basis point decrease from one month prior. These stable yield spreads suggest a modest easing in the cost of borrowing for homebuyers seeking fixed-rate options. For members prioritizing predictable payments and long-term budget planning, these rates support evaluating fixed-rate mortgages as a viable strategy. Given current trends, first-time buyers and those locking in new purchases may benefit from monitoring these rates closely; consider your mortgage approach based on your risk tolerance and timeline. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On January 27, 2026, VA 15-Year Fixed Purchase rates remain steady at 5.00%, unchanged from a week ago but up 12.5 basis points compared to 30 days prior. This stability benefits veterans seeking shorter-term financing with predictable payments amid moderate yield spreads. Conversely, the VA 30-Year Fixed Purchase rate decreased by 12.5 basis points over the past week to 5.50%, maintaining a stable level relative to one month ago. This slight dip in cost of borrowing may improve affordability for veterans prioritizing lower monthly payments over loan duration.

Members should consider fixed-rate options for long-term payment certainty; veterans evaluating purchase loans might find the VA 15-Year Fixed attractive for faster equity buildup despite marginally higher recent costs. For those focused on extended terms, the modest decline in the VA 30-Year Fixed rate could warrant reassessment of their mortgage strategy.

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

On January 27, 2026, 15-year VA fixed-rate purchase loans remain stable at 5.125%, showing no change over the past week or month. This steady rate supports veterans seeking predictable, shorter-term financing with consistent monthly payments. Meanwhile, the 30-year VA fixed-rate purchase loan decreased by 24 basis points from last week to 5.25%, representing a meaningful reduction in long-term borrowing costs for veterans aiming to maximize affordability over three decades.

These movements suggest that veterans considering home purchases may find improved financing conditions in longer terms, while those prioritizing quicker payoff periods see stable rates. Members should evaluate their mortgage strategy carefully: if stability and faster equity buildup are priorities, the unchanged 15-year VA rate remains attractive; if cost savings and lower monthly payments are key, the declining 30-year VA rate merits consideration.

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

As of January 27, 2026, VA Fixed 15-Year Purchase loans remain at 4.75% with 0.5 points, holding steady over the past week and marking a 25 basis point decline from 30 days ago. This reduction lowers the cost of borrowing for veterans seeking shorter-term financing. Meanwhile, the VA Fixed 30-Year Purchase loan rate stands at 5.25% with 0.5 points, unchanged over the last week but down sharply by 112 basis points compared to one month ago, significantly improving affordability for long-term buyers. These shifts suggest a more favorable environment for veterans evaluating purchase options; those prioritizing predictable payments may find fixed terms advantageous. Members should assess whether locking in current rates aligns with their financial strategy, especially given recent yield spread contractions that could influence future refinancing opportunities. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of January 27, 2026, the 30-year Fixed VA Loan purchase rate at PENTAGON stands at a competitive 5.125%, marking a decrease of 12.5 basis points from one week ago and a more significant decline of 25 basis points compared to 30 days prior. This downward shift in yield spreads reduces the cost of borrowing for eligible veterans and active-duty members seeking to purchase homes. For first-time buyers relying on VA-backed financing, these improved rates enhance affordability without upfront points, supporting long-term stability in monthly payments. Members should evaluate fixed-rate options if they prioritize predictable costs amid fluctuating markets. Additionally, potential homebuyers may consider locking current rates given recent favorable trends, while existing homeowners might assess their refinancing strategies if savings outweigh associated fees. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

As of January 27, 2026, POTLATCH NO. 1 FINANCIAL reports stable mortgage rates for purchase loans in fixed-rate categories. The 15-Year Fixed Purchase rate increased by 12.5 basis points, moving from 4.50% a week ago to 4.625%, indicating a slight rise in borrowing costs for members seeking shorter-term fixed mortgages. Meanwhile, the 30-Year Fixed Purchase rate remains unchanged at 5.25%, holding steady over the past 7 and 30 days, maintaining current yield spreads.

For first-time buyers or those prioritizing lower monthly payments with longer terms, the stable 30-year fixed rate offers predictability without increased cost pressures. Members considering accelerated payoff may see increased costs on the 15-year fixed option due to recent upward movement.

Evaluate your mortgage strategy by weighing these trends; consider fixed-rate options if you value payment stability and assess refinancing only if projected savings outweigh associated expenses. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of January 27, 2026, VA 15-Year Fixed Purchase rates have increased by 12.5 basis points to 5.00%, marking a modest rise compared to last week and the past month. This uptick slightly elevates the cost of borrowing for veterans seeking shorter-term fixed financing. Meanwhile, the VA 30-Year Fixed Purchase rate remains steady at 5.625%, showing no change over the last seven or thirty days, maintaining its position as the higher-yield option for longer-term stability.

For members prioritizing lower monthly payments and long-term planning, the unchanged 30-year VA fixed rate provides predictability despite current market fluctuations. Conversely, those able to commit to a faster payoff may experience increased borrowing costs due to the recent move in the 15-year VA fixed rate. Evaluating your mortgage strategy with these shifts can help optimize financing decisions; consider fixed-rate options if you value payment consistency or reassess refinancing if savings exceed transaction costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of January 27, 2026, mortgage rates are mixed for Jumbo loans. The 15-Year Fixed Rate Jumbo stands at 6.226%, experiencing a minimal increase of 0.00% from yesterday and a slight decrease of 0.04% over the past month. In contrast, the 30-Year Fixed Rate Jumbo is currently at 6.227%, up by 0.02% from yesterday but down by 0.13% over the last week. Borrowers should note these fluctuations as they impact the overall cost of borrowing; with current rates remaining elevated, potential homebuyers may want to assess their options carefully before locking in a rate.

As of January 27, 2026, breakeven inflation rates indicate stable inflation expectations with the 10-year rate at 2.320% and the 5-year rate at 2.450%. However, mortgage rates have shown significant volatility; the 30-year jumbo average rates decreased by 6.30 points today, contributing to a 6.37-point drop over the past week, which may impact borrowers looking for lower financing costs. The lowest mortgage rate recorded is for the 15-year average, at a striking 0.000%, signaling potential opportunities for buyers in this environment. Monitoring these shifts can help consumers make informed decisions regarding their borrowing strategies amid changing economic conditions.

The home loan landscape is always changing, but your need for reliable advice never goes out of style. At LendMesh, we keep our mortgage resources up to date with current rates, lender specials, and tips from real financial experts. We know that comparing banks and credit unions can seem overwhelming, so we’ve created a platform that breaks down your options and gives you actionable next steps. Whether you’re seeking a fixed-rate mortgage, a low down payment, or just honest answers, you’ll find it all here. Ready to make your next move? Explore the latest at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . your shortcut to smarter homeownership.