February 4, 2026 | Lowest FHA Fixed Rate Holds Steady at 4.625%

As of February 4, 2026, the 30-Year FHA Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. This marginal decline in yield spread slightly lowers the cost of borrowing for first-time homebuyers and those using government-backed financing, offering modest savings over the past month. Stability over the past week suggests limited short-term volatility, which benefits members prioritizing predictable payments. Veterans and refinancing borrowers should monitor comparable products as this FHA fixed rate holds near recent lows. Evaluating your mortgage strategy with an emphasis on fixed-rate options may help manage long-term interest expenses effectively. Consider refinancing if the potential savings exceed closing costs to optimize your financial position. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

As of February 4, 2026, the 15-Year Fixed Purchase mortgage rate stands at 5.125%, marking a 12.5 basis point increase from one week ago and a similar rise compared to 30 days prior. This upward shift in yield spreads translates into a higher cost of borrowing for homebuyers opting for this fixed-rate product, which remains the sole offering today. Members considering purchasing a home with this term should evaluate their budgetary impact carefully, especially first-time buyers who may be more sensitive to rate fluctuations. Given the rate movement, those prioritizing payment stability might still find value in locking a fixed rate now to avoid further increases. For actionable decisions, consider your long-term mortgage strategy and assess whether refinancing options could mitigate future costs if rates continue rising. For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of February 4, 2026, FHA 15-Year Fixed Purchase rates hold steady at 5.00%, unchanged over the past week and month, maintaining the lowest yield among available options. Conversely, the FHA 30-Year Fixed Purchase rate increased by 12.5 basis points to 5.625% compared to seven days ago, while showing no change from 30 days prior. This rise in longer-term fixed rates may impact borrowers prioritizing lower monthly payments over shorter loan terms.

First-time buyers may find the stable 15-year FHA fixed rate advantageous for reducing total interest costs, whereas those seeking longer amortization should monitor upward pressure on 30-year FHA rates, which can increase borrowing expenses. Members evaluating purchase loans should consider their financial horizon; fixed-rate products offer predictability amid evolving yield spreads.

Given current trends, members are advised to assess mortgage strategies carefully, consider fixed-rate options if stability is a priority, or evaluate potential refinancing only if projected savings exceed associated costs. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

On February 4, 2026, 15 Year Fixed FHA Mortgage rates for purchase rose by 1 basis point to 5.00%, marking a slight uptick over the past week and month. Meanwhile, the 30 Year Fixed FHA Mortgage purchase rate remained steady at 5.375%, maintaining its yield with no changes in the last 7 or 30 days. The marginal increase in the shorter-term fixed rate slightly raises the cost of borrowing for buyers prioritizing faster payoff periods, potentially impacting monthly payments and overall interest expense. Veterans and first-time homebuyers relying on FHA options should assess whether locking in current rates aligns with their financial plans. For those valuing payment stability, the unchanged 30-year FHA fixed rate provides a consistent baseline. Consider evaluating your mortgage strategy to balance term length against total financing costs effectively. For details, visit https://www.gwcu.org/rates/homeloans.

On February 4, 2026, the 30-year FHA Fixed Purchase mortgage rate remains steady at 5.5%, unchanged from one week ago but down by 12.5 basis points compared to 30 days prior. This yield spread compression lowers the overall cost of borrowing for eligible borrowers, including first-time homebuyers who benefit from FHA’s government-backed features. The stable rate environment supports predictable monthly payments, favoring those prioritizing long-term financial planning. Members weighing new purchases should consider locking in this fixed rate to mitigate potential market volatility. Given the moderate decline over the past month, evaluating mortgage strategies with a focus on fixed-rate options can optimize financing costs amid current trends. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

On February 4, 2026, 15-year FHA purchase loans saw a slight increase of 1 basis point, rising to 5.00% from 4.99% a week ago. This small uptick indicates a marginal rise in the cost of borrowing for buyers seeking shorter-term government-backed financing. Meanwhile, the 30-year FHA purchase rate remains stable at 5.25%, unchanged over the past 7 and 30 days, maintaining its position as the highest rate among today’s FHA options.

For first-time homebuyers or those prioritizing lower monthly payments with longer terms, the steady 30-year FHA rate offers predictable budgeting despite higher yield spreads. Borrowers considering faster equity buildup may find the slight increase in the 15-year FHA rate impacts overall financing costs modestly but should monitor for further movement.

Members are advised to evaluate their mortgage strategy carefully; for those valuing payment stability, locking in current fixed rates could be beneficial. Additionally, potential buyers should compare terms against long-term affordability and refinancing possibilities to optimize financial outcomes.

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

As of February 4, 2026, the FHA 30-Year Fixed Purchase mortgage rate remains steady at 5.25%, unchanged from one week ago and down 12.5 basis points compared to 30 days prior. This slight decline in yield spreads reflects a modest reduction in the overall cost of borrowing for first-time and moderate-income buyers relying on government-backed financing. Stability in this fixed-rate product provides predictable monthly payments, beneficial for those prioritizing long-term budgeting certainty amid fluctuating markets. Members evaluating purchase options should consider that current rates represent a favorable entry point relative to last month’s figures. Given these conditions, potential borrowers might assess fixed-rate loans for their consistent payment structure while monitoring market trends for further shifts. For details, visit https://www.pacificservice.org/rates#tab4.

As of February 4, 2026, the 30-year Fixed FHA Purchase Loan holds the lowest rate at 5.25%, reflecting a modest increase of 12.5 basis points compared to last week. This uptick slightly raises the cost of borrowing for first-time homebuyers relying on government-backed financing. However, rates remain down by 12.5 basis points relative to one month ago, indicating some easing in yield spreads over recent weeks.

For members prioritizing payment stability, this fixed-rate option continues to offer predictable monthly obligations despite short-term rate fluctuations. Prospective buyers should weigh these changes against their long-term affordability goals. Evaluating mortgage strategies now may be prudent; consider locking in rates if you value certainty or explore refinancing if potential savings surpass associated costs.

For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851

On February 4, 2026, 15-Year Fixed Purchase loans remain at 4.625%, unchanged from both one week and one month ago. This stability in rate reflects a consistent borrowing cost for buyers prioritizing shorter-term fixed payments. Meanwhile, the 30-Year Fixed Purchase rate holds steady at 5.25%, with no variation over the past 7 or 30 days, maintaining yield spreads that support long-term affordability planning.

For members seeking predictable payment structures, these unchanged rates suggest a favorable environment to lock in fixed terms without immediate pressure from rising costs. First-time homebuyers may find the 15-Year Fixed option offers lower interest expense despite higher monthly payments, while others may prefer the steady cost profile of the 30-Year Fixed.

Given this rate consistency, evaluate your mortgage strategy carefully; consider fixed-rate options if you value payment stability or assess refinancing only if potential savings exceed associated fees. For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of February 4, 2026, the FHA 15-Year Fixed Purchase mortgage rate remains steady at 5.125%, unchanged from one week ago but down 12.5 basis points compared to 30 days prior. Similarly, the FHA 30-Year Fixed Purchase rate holds at 5.75%, with no change over the past seven days and a decline of 12.5 basis points month-over-month. These modest decreases in yield spreads reduce borrowing costs slightly for buyers seeking government-backed loans, particularly benefiting first-time homebuyers who prioritize long-term affordability. Members valuing payment stability may find the fixed-rate FHA options advantageous amid recent market shifts. Given these rates and their relative stability, it is prudent to evaluate mortgage strategies carefully; consider fixed-rate terms if budget predictability is essential or assess refinancing opportunities when potential savings exceed associated costs. For details, visit https://www.schoolsfirstfcu.org/rates/mortgage-purchase/.

As of February 4, 2026, mortgage rates have shown a mixed trend. The 15-Year Fixed Rate Jumbo is at 6.145%, increasing by 1 basis point from yesterday, while the 30-Year Fixed Rate Jumbo has decreased to 6.174%, down by 1 basis point over the same period. Over the past week, the 30-Year Fixed Rate Jumbo has dropped by 8 basis points, reflecting a more significant downward trend in recent weeks. In contrast, both products have seen declines of 20 basis points and 15 basis points over the past month and 60 days, respectively. Borrowers should consider these fluctuations when evaluating their financing options, as even small changes can impact overall borrowing costs significantly.

Inflation expectations can significantly influence mortgage rates, affecting the overall cost of borrowing. Currently, the Breakeven Inflation Rate 10Yr remains stable at 2.360, while the Breakeven Inflation Rate 5Yr has increased by 0.03 points over the past day and 0.24 points in the last month, indicating rising short-term inflation expectations. Notably, the Mortgage 30Yr Average Rates have decreased by 6.19 points over the past two months, marking a significant reduction in borrowing costs for homeowners. The lowest mortgage rate reported is for Mortgage 15Yr Average Rates, which stands at zero, potentially making shorter-term loans appealing. Borrowers should monitor these trends to make informed decisions regarding their financing options.

If you’ve ever wondered whether you’re getting the best mortgage deal, you’re not alone. So many homebuyers wish they’d had clearer information or a trusted partner by their side. At LendMesh, we fill that gap by working closely with credit unions and community-focused banks to bring you the most competitive offers, transparent advice, and tools you can actually use. Our mission is simple: help you make smarter decisions and save more money, whether you’re buying your first home or refinancing your forever one. Want to see how easy it can be to compare options and learn what’s right for you? Visit our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans your journey to a better mortgage starts right here.