January 31, 2026 | 4.00% Stable Adjustable ARM Rate Offers Buying Flexibility

As of January 31, 2026, the 7/6 Adjustable Rate Mortgage (ARM) for Purchase stands at a 30-year fixed term rate of 5.125%, marking a decrease of 25 basis points compared to one week ago. This adjustment narrows the cost of borrowing for members seeking flexibility in their mortgage payments, especially benefiting buyers anticipating stable or declining rates in the near term. However, the rate remains 37.5 basis points higher than 30 days ago, reflecting recent upward yield pressures over the past month.

For potential borrowers weighing adjustable options, this rate movement suggests an opportunity to lock in a comparatively lower initial ARM rate, though they should assess future rate reset risks carefully. Members considering refinancing or new purchases might evaluate fixed-rate alternatives if payment predictability is paramount.

Monitor market trends closely; consider refinancing if long-term savings surpass associated costs. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of January 31, 2026, 5/1 Year Adjustable Rate Mortgages (ARM) for purchase stand at a stable 5.125%, unchanged from last week but down 62.5 basis points compared to 90 days ago. Similarly, the 7/1 Year ARM purchase rate holds steady at 5.375%, with no change over the past week and a decline of 62.5 basis points over three months. These adjustments reflect narrowing yield spreads since late fall, signaling marginally lower cost of borrowing for adjustable-rate buyers.

For members considering variable-rate loans, these rates may offer competitive entry points relative to past quarters. First-time buyers might benefit from initial lower payments; however, those valuing payment stability should carefully evaluate potential future rate resets. Given this data, members should assess their mortgage horizon and consider refinancing if projected savings exceed associated costs.

For details, visit https://www.americanheritagecu.org/rates#mortgage.

As of January 31, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase loans remains steady at 4.00%, holding unchanged over the past week but reflecting a notable decline of 25 basis points compared to 30 days ago. This yield compression lowers the cost of borrowing for buyers opting for adjustable terms, potentially improving affordability in the near term. First-time homebuyers may find this stable rate advantageous amid market fluctuations, while borrowers with variable-rate tolerance can benefit from current lower initial rates versus a month ago. Members should assess their risk profile and consider if an ARM aligns with their financial goals; those prioritizing payment stability might evaluate fixed-rate alternatives despite slightly higher rates elsewhere. For refinancing candidates, this environment suggests monitoring rate trends closely and weighing potential savings against adjustment risks. Consider your mortgage strategy in light of recent shifts to optimize long-term costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of January 31, 2026, mortgage rates for both the 15-Year Fixed Rate Jumbo and the 30-Year Fixed Rate Jumbo remain unchanged from yesterday at 6.155% and 6.213%, respectively. Over the past week, the 15-Year Fixed Rate Jumbo saw a decrease of 0.11 basis points, while the 30-Year Fixed Rate Jumbo has decreased by 0.08 basis points since last week. Looking at longer trends, the 30-Year Fixed Rate Jumbo has declined by 0.11 basis points over the past month and by 0.22 basis points in the last 60 days, indicating a gradual easing of borrowing costs for borrowers considering these options. Maintaining awareness of these fluctuations can help potential homeowners make informed financial decisions.

Inflation expectations significantly influence mortgage rates, impacting the cost of borrowing for consumers. Currently, the Breakeven Inflation Rate 10Yr stands at 2.360 with no change from yesterday, while the Breakeven Inflation Rate 5Yr has increased by 0.07 points over the past week, now at 2.530. Over 30 days, this rate rose by 0.27, suggesting higher inflation expectations could lead to increased borrowing costs. The lowest mortgage rate recorded is for Mortgage 30Yr Va Average Rates at 5.700, which decreased by 0.07 points in the past week. Borrowers should remain vigilant as these changes may signal future adjustments in lending rates and overall economic conditions.

The journey to homeownership is filled with choices, questions, and—if you’re working with the right partner—a real sense of possibility. At LendMesh, we’re honored to be that partner for so many families, guiding you through every mortgage decision with transparency and care. Whether you’ve followed our advice all month or just discovered us today, remember that your goals are at the heart of everything we do. With our nationwide network of banks and credit unions, up-to-date mortgage rates, and expert-written resources, you’ll always have the tools to make informed, confident choices. If you’re ready to take your next step or want a fresh perspective on your options, visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your homeownership story is unique—LendMesh is here to help you write every chapter with confidence.