February 2, 2026 | Lowest Fixed Conventional Rate Holds at 4.00%

As of February 2, 2026, mortgage rates for purchase loans remain steady compared to last week. The 15-Year Fixed Purchase rate holds at a competitive 4.75% with 1.08 points, unchanged from seven days ago but down 24 basis points over the past 30 days. Similarly, the 30-Year Fixed Purchase rate stands at 5.50% with 0.7 points, stable week-over-week and reduced by 12.5 basis points since one month ago.

These yield movements suggest a modest easing in borrowing costs over the last month, particularly benefiting buyers seeking shorter-term fixed options or long-term stability with the 30-year term. Members prioritizing predictable payments may consider fixed-rate products to mitigate future market volatility risks. Given these trends, evaluating your mortgage strategy, including potential refinancing, can help optimize cost efficiency as rates show relative stability after recent declines.

For details, visit https://www.advancial.org/loans/mortgage#checkrates.

As of February 2, 2026, 15-Year Fixed Rate Purchase loans offer the lowest yield at 4.75%, down 12.5 basis points from one week ago and 37.5 basis points compared to 30 days prior. Meanwhile, the 30-Year Fixed Rate Purchase program stands at 5.375%, reflecting a decline of 17.5 basis points over the past week and a 37.5 basis point decrease month-over-month. These rate adjustments reduce the overall cost of borrowing, benefiting buyers prioritizing long-term payment stability and lower interest expenses. Members seeking to lock in predictable payments may find fixed-rate options advantageous amid these moderate declines. Evaluating current rates against your mortgage timeline can help determine if refinancing or purchasing now aligns with your financial goals, especially given these recent favorable movements in fixed-rate yields. For details, visit https://www.affinityfcu.com/about-us/rates#:~:text=Mortgages,-Loan%20Type.

As of February 2, 2026, 15 Year Conforming Fixed Purchase loans maintain a steady rate of 4.5% with 2.0 points, unchanged over the past week and month. Similarly, the 30 Year Conforming Fixed Purchase loans hold firm at 5.0% with 2.0 points, showing no movement in yield spreads or borrowing costs during this period. Stability in these fixed-rate products suggests predictable monthly payments for buyers prioritizing long-term budget certainty.

For members seeking purchase options, the lack of rate fluctuation means the cost of borrowing remains consistent; first-time homebuyers can plan confidently without concern for near-term rate volatility. Evaluating fixed-rate programs is advisable if stability aligns with your financial goals. Consider reviewing your mortgage strategy to determine if locking in current rates fits your budget outlook.

For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of February 2, 2026, the 15-year fixed purchase mortgage rate remains steady at 4.77%, representing a notable decline of 25 basis points compared to 30 days ago. Similarly, the 30-year fixed purchase mortgage rate holds at 5.686%, down approximately 24 basis points over the same period. These decreases in yield spreads suggest a modest reduction in borrowing costs for homebuyers opting for fixed-rate loans. For members prioritizing payment stability, the 15-year fixed option at 4.77% offers the lowest available rate today, potentially benefiting those aiming to build equity faster with predictable payments. Meanwhile, the 30-year fixed loan’s consistent rate provides longer-term affordability despite slightly higher yields. Members should evaluate their mortgage strategies carefully; considering fixed-rate products may reduce interest rate risk, and refinancing could be advantageous if savings surpass associated costs. For details, visit https://www.americanheritagecu.org/rates#mortgage.

On February 2, 2026, the 30-Year Fixed Purchase Loan rate at Coast Central rose sharply to 6.5%, marking an increase of 175 basis points compared to both one week and one month ago. This significant rise in yield spreads elevates the cost of borrowing for new homebuyers seeking long-term fixed-rate financing. First-time buyers may face higher monthly payments, while those with stable budgets might consider locking in rates soon to avoid further increases. Given this volatility, members evaluating purchase options should weigh the predictability of fixed rates against current market conditions. Assess your mortgage strategy carefully; for many, considering fixed-rate loans could provide financial stability amid rising rates. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of February 2, 2026, 15-Year Fixed Conforming Purchase loans maintain a stable rate at 4.00%, unchanged over the past week, representing the lowest cost of borrowing among today’s offerings. Similarly, the 30-Year Fixed Conforming Purchase loans hold steady at 4.50%, with no change from seven or ninety days ago. This stability in fixed mortgage rates suggests limited short-term volatility in yield spreads for conforming purchase products.

For members prioritizing predictability and long-term financial planning, the unchanged 15-year fixed rate offers a favorable option to minimize interest expenses over time. Meanwhile, those considering longer terms should evaluate the steady 30-year fixed rate, balancing monthly affordability against total interest paid. In this environment, it is prudent to review your mortgage strategy and consider refinancing only if potential savings exceed associated costs.

For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/buy-a-home.

As of February 2, 2026, mortgage rates remain steady across primary fixed-rate purchase options at FAMILY TRUST. The 15-Year Fixed Rate holds at 4.708%, representing the lowest yield among available products, with no change over the past 7 or 30 days, indicating stable borrowing costs for members seeking shorter-term commitments. Meanwhile, the 30-Year Fixed Rate persists at 5.5%, also unchanged week-over-week and month-over-month, maintaining consistent long-term financing conditions.

For first-time buyers or those prioritizing predictability, locking in a 15-year fixed mortgage could minimize interest expense while preserving rate certainty. Borrowers targeting longer amortization may find the 30-year fixed rate’s stability advantageous for managing monthly cash flow without exposure to rate fluctuations.

Given the absence of recent rate shifts, members should carefully evaluate their mortgage strategy based on current economic forecasts and individual financial goals. Consider refinancing if projected savings outweigh transaction costs.

For details, visit https://www.familytrust.org/manage-money/help-center/rates.html#mortgage.

On February 2, 2026, FIRST FINANCIAL OF MARYLAND reports stable mortgage rates with no changes over the past week or month. The 15-Year Land Loan remains at 6.25%, and the 30-Year Fixed Purchase rate holds steady at 5.875%, both reflecting consistent yield spreads and borrowing costs. These fixed-rate options provide predictable payment structures, which can benefit buyers seeking long-term cost certainty.

For first-time homebuyers prioritizing manageable monthly payments, the 30-Year Fixed offers the lowest rate available today. Meanwhile, those focused on shorter-term financing might consider the 15-Year Land Loan for faster equity build-up despite its higher rate.

Members should evaluate their mortgage strategy in light of current stability; considering fixed-rate loans may help mitigate future market volatility. For details, visit https://www.firstfinancial.org/rates/mortgage-rates/#fixed.

As of February 2, 2026, 15-year fixed purchase mortgage rates remain at a historic low of 4.875%, unchanged from one week ago and down significantly by 261.5 basis points compared to 30 days prior. This sustained low yield spread reduces the cost of borrowing for buyers seeking shorter-term loans. Meanwhile, the 30-year fixed purchase rate holds steady at 5.75%, with no change over the past week but a decrease of 37.5 basis points versus 30 days ago.

For members prioritizing payment stability and long-term budgeting, these fixed-rate options offer predictable costs amid market fluctuations. First-time homebuyers may benefit from locking in today’s lower rates, while current homeowners should evaluate refinancing opportunities to capitalize on reduced yields.

Consider your mortgage strategy carefully; if your goal is cost certainty, fixed-rate loans at these levels merit attention. For detailed rate information, visit https://www.houstonfcu.org/resources/current-rates#MortgageLoans.

As of February 2, 2026, 15-Year Fixed Purchase loans maintain the lowest rate at 4.75% with 1.9 points, unchanged from both one week and one month ago. Similarly, the 30-Year Fixed Purchase loan holds steady at 5.50% with 1.9 points, reflecting no recent shifts in yield spreads or borrowing costs. This rate stability supports predictable payment structures for buyers prioritizing long-term budgeting certainty. First-time buyers may find the 15-year fixed option advantageous for reducing interest expense over time, while those seeking longer terms retain consistent costs with the 30-year fixed product. Given the absence of rate movement, members should consider fixed-rate options if they value payment stability and evaluate their mortgage strategy based on current market conditions rather than anticipated volatility. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of February 2, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo increased to 6.352%, rising by 20 basis points from yesterday and 13 basis points over the past week. Conversely, the 30-Year Fixed Rate Jumbo saw a slight uptick to 6.259%, with only a 5 basis point increase in the last day but a notable decline of 39 basis points in the past month. Borrowers should be aware that while short-term rates are trending upward, recent fluctuations indicate some potential for cost savings in longer-term financing options. Evaluating these shifts can inform strategic borrowing decisions moving forward.

As of February 2, 2026, inflation expectations are reflected in the Breakeven Inflation Rates, with the 10-Year rate at 2.360% and the 5-Year rate at 2.530%, indicating moderate inflation sentiment among investors. Recent mortgage rates have seen significant shifts; notably, the Mortgage 30Yr Jumbo Average Rates dropped by 6.31 points today, marking a substantial decrease over the past week (6.37 points) and month (6.47 points). The lowest mortgage rate available is for the 30Yr Va, currently at 5.700%. These changes suggest that borrowers may benefit from lower borrowing costs, making it an opportune time to consider refinancing or purchasing decisions based on current market conditions.

Every homeowner’s journey is different, but almost all of us remember that mix of excitement and uncertainty when it’s time to find the right mortgage. At LendMesh, we know the process can be overwhelming—that’s why we’ve created a place where you can get honest guidance, side-by-side rate comparisons, and direct access to lending partners who put your needs first. We work with a nationwide network of credit unions and banks, offering options you might not find anywhere else. Think of us as your financial co-pilot, here to help you make decisions with confidence. When you’re ready to explore what’s possible, visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans . Let’s turn those dreams of homeownership into reality, one step at a time.