January 29, 2026 | Lowest Jumbo Fixed Rate Drops to 4.86% Today

As of January 29, 2026, Jumbo 15 Year Fixed Purchase loans offer the most competitive rate at 5.375% with 0.25 points, marking a 12.5 basis points decrease from last week and a 25 basis points decline over the past 30 days. This reduction in yield spreads lowers the cost of borrowing for high-value homebuyers seeking shorter terms. Meanwhile, the Jumbo 30 Year Fixed Purchase loan remains steady at 5.875% with zero points, unchanged from last week but down by 25 basis points compared to a month ago, maintaining affordability for borrowers prioritizing long-term stability.

Members considering large loan amounts should evaluate fixed-rate options given recent downward adjustments, particularly if they value predictable payments and plan to hold their mortgage long term. For those weighing refinancing opportunities, these trends suggest potential savings; however, careful calculation of closing costs versus interest reduction is advised.

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

As of January 29, 2026, the 30 Year Jumbo Fixed Purchase mortgage rate stands at 5.00%, reflecting a notable decline of 25 basis points compared to both last week and the past 30 days. This reduction in yield spreads lowers the cost of borrowing for high-value homebuyers seeking jumbo loans, potentially improving affordability in the luxury market segment. For members considering new purchases, this dip offers an opportunity to lock in competitive fixed rates, enhancing payment predictability over three decades. Given the current rate trend, borrowers who prioritize long-term stability should evaluate fixed-rate options carefully. Those with existing higher-rate jumbo loans might also assess refinancing potential to reduce monthly obligations and overall interest costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On January 29, 2026, ALTURA reports stable jumbo fixed mortgage rates for purchase loans. The 15 Year , Jumbo Fixed rate decreased by 12.5 basis points from last week to 5.00%, marking a slight reduction in borrowing costs for borrowers seeking shorter-term financing. Conversely, the 30 Year , Jumbo Fixed rate remains steady at 5.75%, unchanged over the past seven and thirty days, maintaining a consistent yield spread for long-term commitments.

For members pursuing high-value property purchases, the lower 15-year rate can reduce total interest expense despite higher monthly payments, benefiting those prioritizing faster equity buildup. The unchanged 30-year rate supports predictable budgeting for buyers focused on affordability over time.

Given these movements, members should consider fixed-rate options if stability is a priority and evaluate refinancing opportunities when potential savings exceed closing costs. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of January 29, 2026, fixed-rate mortgage products for purchase remain steady. The 15-year fixed mortgage holds at 5.125%, unchanged over the past week, reflecting stable yield spreads and consistent borrowing costs for shorter-term commitments. Meanwhile, the 30-year fixed mortgage is priced at 5.875%, also unchanged from seven days ago, maintaining its position as the higher-rate option but offering long-term rate certainty.

For members considering home purchases, the stability in these rates supports predictable budgeting without immediate upward pressure on financing costs. First-time buyers may find the 15-year fixed mortgage appealing due to its lower rate, while those seeking longer repayment terms can evaluate the trade-off between cost and duration with the 30-year fixed mortgage.

Given the lack of recent rate movement, members should assess their mortgage strategies carefully; those valuing payment stability might favor fixed-rate options. Evaluating refinancing remains advisable if future rate changes create opportunities to reduce overall interest expense.

For details, visit https://americaschristiancu.com/personal/mortgages/.

On January 29, 2026, COLUMBIA COMMUNITY reports stable mortgage rates for Jumbo fixed-rate purchase loans. The 15-year Jumbo fixed rate remains steady at 5.00%, unchanged over the past week and month, reflecting no movement in yield spreads or borrowing costs. Similarly, the 30-year Jumbo fixed rate holds at 5.875%, also unchanged from seven and thirty days ago. This stability offers predictability for borrowers prioritizing long-term cost certainty, particularly high-net-worth buyers seeking larger loan amounts. For members considering a purchase with a Jumbo loan, evaluating fixed-rate options may provide budget consistency amid broader market fluctuations. Maintaining current rates suggests limited refinancing incentives for these products; however, members should assess their individual financial goals to determine if refinancing could reduce overall expenses given their specific loan terms. For details, visit https://www.columbiacu.org/home-loans/.

As of January 29, 2026, 15-Year Fixed Jumbo Purchase rates have decreased by 12.5 basis points, settling at 5.0%, marking the lowest rate in today’s jumbo offerings. This decline increases borrowing affordability for high-value homebuyers seeking shorter-term fixed commitments. Conversely, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.0%, a slight increase of 12.5 basis points over the past 30 days, reflecting persistent yield spread pressures affecting longer-term financing costs.

Members considering jumbo loans should weigh the trade-off between lower monthly payments with longer terms and reduced interest expense from shorter terms with current rates. For buyers prioritizing predictability and cost control, the 15-Year Fixed Jumbo presents a more favorable rate environment today. Evaluating refinancing options may be prudent if long-term savings surpass refinancing costs.

For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of January 29, 2026, Navy Federal Credit Union reports stable mortgage rates for jumbo loan products. The 15-year Fixed Conventional Jumbo rate remains at 5.25% with 0.25 points, unchanged over the past week and down 12.5 basis points from 30 days ago, indicating a modest decline in borrowing costs for borrowers seeking shorter-term stability. Meanwhile, the 30-year Fixed Homebuyers Choice Jumbo rate holds steady at 6.75% with 0.5 points, showing no change in the last 7 or 30 days, reflecting consistent yield spreads for long-term financing.

For members prioritizing predictable payments, the slightly lower 15-year jumbo rate could reduce interest expense over time. Conversely, those favoring longer terms should monitor these stable rates as they evaluate purchase timing or refinancing options. Consider fixed-rate loans if you value payment consistency; reviewing your mortgage strategy periodically can optimize financial outcomes.

For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of January 29, 2026, 15-year fixed purchase mortgage rates have increased by 11 basis points, reaching 4.86%, marking the lowest rate among today's offerings. Meanwhile, the 30-year fixed purchase rate rose by 8 basis points to 5.39%. These upward shifts in yield spreads indicate a modest rise in borrowing costs over the past week, which could affect affordability for first-time buyers and long-term homeowners alike. Members seeking rate stability may find the 15-year fixed option, currently at the lowest yield, beneficial for reducing overall interest expense despite higher monthly payments. Given these trends, evaluating your mortgage strategy, such as considering refinancing if projected savings surpass associated costs, is advisable to manage long-term financial impact effectively. For details, visit https://www.pefcu.com/loans/more-loan-info/loan-rates/#:~:text=financial%20institutions%20only.-,Mortgage%20RATES,-As%20of%20August.

As of January 29, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase mortgage rates remain steady at 6.0% and 6.5%, respectively, showing no change over the past week. The 15-year fixed jumbo rate at 6.0% continues as the lowest available option, maintaining a yield spread advantage that may benefit borrowers seeking to minimize long-term interest costs. Stability in these rates suggests consistent borrowing costs for high-balance homebuyers; however, the absence of recent declines indicates refinancing incentives remain limited. Members should consider fixed-rate products if they prioritize payment predictability amid stable market conditions. Evaluating your mortgage strategy in light of these unchanged jumbo loan rates can help optimize financing decisions based on current cost structures.

For details, visit https://www.ssfcu.org/rates/home-loan-rates.

As of January 29, 2026, 15-year Jumbo fixed-rate mortgages remain steady at 5.5%, matching their rate from one week and one month ago. Similarly, 30-year Jumbo fixed-rate loans hold firm at 5.625%, with no change over the past 7 or 30 days. These stable yields indicate consistent borrowing costs for members seeking Jumbo loan options, which often apply to high-value property purchases.

For borrowers prioritizing shorter-term payoff horizons, the unchanged 15-year Jumbo rate of 5.5% represents the lowest available option today, potentially lowering total interest expense despite higher monthly payments. Conversely, those needing longer amortization can rely on the steady 30-year Jumbo rate at 5.625% for manageable payments without recent rate volatility.

Members should evaluate their mortgage strategy in light of this rate stability; consider fixed-rate products if you value predictability in your payment schedule or assess refinancing only if potential savings clearly outweigh closing costs.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of January 29, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is at 6.183%, down by 0.03 basis points from yesterday, while the 30-Year Fixed Rate Jumbo stands at 6.227%, declining by 0.02 basis points over the same period. In the past week, the 30-Year Fixed Rate Jumbo experienced a larger drop of 0.06 basis points. Meanwhile, both products saw minimal fluctuations in the last month, with the 15-Year Fixed Rate Jumbo rising slightly by 0.02 basis points. Borrowers may find current rates relatively stable; however, those considering refinancing or purchasing should be aware of these slight shifts and evaluate their options accordingly.

Recent data indicates that inflation expectations are stable, with the Breakeven Inflation Rate 10Yr holding at 2.360%, while the Breakeven Inflation Rate 5Yr rose by 0.08 points over the past week to 2.500%. Mortgage rates have seen significant fluctuations; notably, the Mortgage 30Yr Average Rates decreased by 6.09 points in the past week, reflecting ongoing shifts in market conditions. Currently, the lowest mortgage rate recorded is for the Mortgage 30Yr FHA Average Rates, at 5.923%. Borrowers should remain vigilant as these indicators influence borrowing costs and signal changes in economic sentiment. Monitoring these trends can aid in making informed financial decisions moving forward.

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