February 5, 2026 | Jumbo Fixed Mortgage Rates Hold at 4.84%, Slight Dip Noted

As of February 5, 2026, ABERDEEN PROVING GROUND mortgage rates for Jumbo Fixed Purchase loans show stability compared to last week. The 15-year Jumbo Fixed rate remains at 5.375% with 0.25 points, unchanged over seven days but down 25 basis points from 30 days ago, signaling a moderate reduction in borrowing costs for shorter-term jumbo loans. Similarly, the 30-year Jumbo Fixed rate holds steady at 5.875% with 0.25 points, also unchanged week-over-week and lower by 25 basis points versus a month prior.

For borrowers prioritizing predictable payments, the lower 15-year jumbo rate offers an attractive yield spread with reduced long-term interest expense. Meanwhile, buyers considering longer amortization can benefit from the recent dip in the 30-year jumbo cost of funds. Members should evaluate fixed-rate options if they value payment stability and assess refinancing opportunities where interest savings exceed closing costs.

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

As of February 5, 2026, the 30 Year Jumbo Fixed Purchase mortgage rate remains steady at 5.00%, unchanged from last week but down 25 basis points compared to 30 days ago. This decline in yield spreads reflects a modest easing in borrowing costs for high-balance homebuyers. For members considering jumbo loans, the current rate stability suggests an opportunity to lock in competitive financing without immediate upward pressure. First-time buyers focusing on jumbo properties should evaluate fixed-rate options for long-term predictability amid market fluctuations. Given the recent downward trend over the past month, it is prudent for prospective borrowers to review their mortgage strategy and consider refinancing if potential savings surpass transaction costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

As of February 5, 2026, COLUMBIA COMMUNITY members will find stable mortgage rates within jumbo fixed-rate purchase options. The Jumbo 15-year fixed loan maintains a rate of 5.0% with 1.0 points, showing no change over the past 7 or 30 days. Similarly, the Jumbo 30-year fixed purchase loan remains steady at 5.875%, also unchanged week-over-week and month-over-month. This stability in rates reflects consistent yield spreads amid current market conditions.

For borrowers seeking predictability in payments, especially high-net-worth individuals considering large loan amounts, these fixed-rate options offer cost transparency without recent volatility in borrowing costs. Members evaluating long-term financing should consider the trade-off between shorter term savings and monthly payment size. Given no recent rate movement, those locked into these jumbo products can plan with confidence.

From a strategic perspective, consider fixed-rate loans if you prioritize payment certainty; evaluate refinancing only if your current rate significantly exceeds these benchmarks to optimize long-term costs.

For details, visit https://www.columbiacu.org/home-loans/.

As of February 5, 2026, the Jumbo 15 Year Fixed Rate Purchase mortgage holds the lowest yield at 5.375% with 1.0 point, unchanged from last week but up by 12.5 basis points compared to 30 days ago. The Jumbo 30 Year Fixed Rate Purchase remains steady at 5.875% with 1.125 points, showing no change over both the past week and month.

These stable rate conditions suggest a consistent cost of borrowing for jumbo loan borrowers, with the shorter-term 15-year option reflecting a modest upward trend in yield spreads recently. Members seeking predictability might consider the fixed-rate products to manage long-term payments effectively. Those evaluating mortgage strategies should weigh refinancing benefits carefully against current rates, especially if aiming to reduce interest expenses over time.

For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of February 5, 2026, the 15-Year Fixed Jumbo Purchase mortgage rate increased by 12.5 basis points, rising to 5.125% from last week’s 5.0%. This uptick reflects a modest increase in borrowing costs for high-value homebuyers seeking shorter-term fixed financing. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remained steady at 6.0%, maintaining its position over the past month and offering consistent yield spreads for those preferring longer terms.

For members considering jumbo loans, the rise in the 15-year fixed rate suggests evaluating whether locking in current rates aligns with your financial strategy; meanwhile, stability in the 30-year jumbo rate supports predictability in monthly payments. Assess your mortgage horizon carefully and consider fixed-rate options if you prioritize payment stability amid changing market conditions.

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

As of February 5, 2026, the 15-year Fixed Conventional Jumbo mortgage rate increased by 12.5 basis points to 5.375%, matching its level from 30 days ago. This uptick raises the cost of borrowing for borrowers seeking shorter-term jumbo loans, potentially impacting monthly payments and overall interest expense. Meanwhile, the 30-year Fixed Homebuyers Choice Jumbo rate remains steady at 6.75%, unchanged over the past week and month, maintaining a consistent yield spread for long-term jumbo buyers.

For members prioritizing rate stability, the unchanged 30-year jumbo option offers predictable financing costs; those considering shorter terms should account for recent rate increases when evaluating affordability. Given current market conditions, carefully assess fixed-rate options against your financial goals and consider refinancing if potential savings outweigh closing costs.

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

As of February 5, 2026, Jumbo 15 Year Fixed Rate loans for purchase have increased by 12.5 basis points to 5.375%, reflecting a modest rise compared to one week ago. This trend indicates a slight uptick in the cost of borrowing for high-value homebuyers seeking shorter-term fixed rates. Meanwhile, the HomeBuyer's Edge 100% 30-Year Fixed option shows a significant increase of 112.5 basis points over the past seven days, now at 6.75%, representing the highest yield spread among available products and impacting first-time buyers relying on full financing.

Members prioritizing payment stability may consider the Jumbo 15 Year Fixed for potentially lower overall interest expense despite the recent rise. Given these shifts, evaluating mortgage strategy based on term length and loan size is advisable. For detailed rate information, visit https://nwfcu.mortgagewebcenter.com/?_ga=2.205088470.712896961.1724675500-146973136.1715609985&_gl=1*1unbxkh*_gcl_au*MTYxNjQ2ODc0MS4xNzUwMDE4MzA4*_ga*MTcxOTU0ODgyNy4xNzUwMDE4MzA5*_ga_WKPGKRE27F*czE3NTAwMTgzMDgkbzEkZzEkdDE3NTAwMjAwNTkkajMxJGwwJGgw

As of February 5, 2026, 15-year fixed purchase loans offer the lowest rate at 4.84%, down by 2 basis points from last week. This slight decline reduces the cost of borrowing for members prioritizing shorter-term stability and faster equity build-up. Meanwhile, 30-year fixed purchase loans are priced at 5.35%, reflecting a modest decrease of 4 basis points over the past seven days. This narrowing yield spread suggests marginally improved affordability for buyers seeking longer repayment terms with steady monthly payments.

For members planning home purchases, these small rate declines can translate into measurable savings on interest over time. First-time buyers may benefit from locking in current rates to avoid potential future increases, while those evaluating mortgage strategies should assess whether fixed-rate options align with their financial goals.

Consider reviewing your mortgage approach to determine if refinancing or purchasing now optimizes your long-term cost structure based on these rate movements. For details, visit https://www.pefcu.com/loans/more-loan-info/loan-rates/#:~:text=financial%20institutions%20only.-,Mortgage%20RATES,-As%20of%20August

As of February 5, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase mortgage rates remain steady at 6.00% and 6.50%, respectively. Both products show no change over the past week but have decreased by 25 basis points compared to 30 days ago. This decline in yield spreads reduces the cost of borrowing for jumbo loan applicants, benefiting those seeking larger loan amounts for home purchases. Borrowers prioritizing payment stability may find the 15-Year Fixed Jumbo at 6.00%, currently the lowest rate available, a cost-effective option for accelerated equity build-up. Evaluating these rates relative to your financial goals is critical; consider fixed-rate options if you value predictability or assess refinancing opportunities if potential savings outweigh associated costs. For details, visit https://www.ssfcu.org/rates/home-loan-rates.

As of February 5, 2026, 15-year Jumbo fixed-rate purchase loans remain steady at 5.5%, matching last week’s yield with no change in basis points. Similarly, the 30-year Jumbo fixed-rate purchase loan holds at 5.625%, unchanged over seven and thirty days. These stable rates suggest consistent borrowing costs for members seeking jumbo financing options, with no immediate upward pressure on yield spreads.

For borrowers prioritizing predictability, the unchanging fixed rates support a stable mortgage strategy without added refinancing urgency. First-time buyers and those financing higher-value properties can evaluate these locked-in rates against market conditions to optimize long-term affordability. Members should consider fixed-rate loans if they value payment stability amidst broader rate volatility.

Given current trends, it is prudent to review your mortgage approach regularly and consider refinancing only when potential savings clearly outweigh associated costs. For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of February 5, 2026, mortgage rates are showing a mixed trend. The 15-Year Fixed Rate Jumbo stands at 6.197%, down by 0.02 basis points from yesterday, while the 30-Year Fixed Rate Jumbo remains unchanged at 6.197%. Over the past week, the 30-year product has decreased by 0.12 basis points, indicating a slight easing in borrowing costs for potential homeowners. In a broader context, the most significant change in the last month was observed in the 15-Year Fixed Rate Jumbo, which fell by 0.15 basis points. Borrowers should consider these fluctuations when evaluating their options, as even minor adjustments can impact overall loan affordability.

As of today, the Breakeven Inflation Rate 10Yr remains steady at 2.350, indicating stable long-term inflation expectations. However, the Mortgage 30Yr Average Rates have significantly decreased by 6.10 points over the past week, reflecting shifts in borrowing costs that can impact housing affordability. The lowest mortgage rate recorded is for the Mortgage 30Yr FHA Average Rates at 5.972. Notably, the Breakeven Inflation Rate 5Yr has increased by 0.21 points over the last 30 days, suggesting a potential rise in short-term inflation expectations. Borrowers should consider these trends when evaluating mortgage options to secure favorable rates and manage borrowing costs effectively.

Picture this: You’re ready to buy a home, but you’re not sure where to start. Maybe you’re worried about the rates, or confused by all the mortgage jargon out there. At LendMesh, we believe good guidance can change everything. That’s why we’ve built an online hub where real people—just like you—can find honest advice, real-time rate comparisons, and connections to local credit unions and banks that actually care. Whether you’re mapping out a long-term plan or looking for a quick pre-approval, we’ve got resources designed to make each step clearer. Take a moment today to visit our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your next chapter could start with a single click, and we’ll be here to guide you through it.