February 6, 2026 | 4.00% Lowest Fixed Conventional Rate Holds Steady

On February 6, 2026, 15-Year Fixed-Rate Conventional refinance loans remain at 5.375%, holding steady over the past week but down 12.5 basis points compared to 30 days ago. Similarly, the 30-Year Fixed-Rate Conventional refinance rate is unchanged at 5.875% for the week, reflecting a 12.5 basis point decline from one month prior. These stable yields suggest a modest easing in borrowing costs over the past month, benefiting members considering long-term financing solutions. Borrowers prioritizing lower monthly payments may find the 30-year term advantageous, while those aiming to reduce total interest outlay might evaluate the 15-year fixed option. Given these trends, members should assess refinancing opportunities where potential savings outweigh associated expenses and consider fixed-rate products if they prefer payment predictability.

For details, visit https://www.affinityplus.org/rates/mortgage-rates.

On February 6, 2026, 15-Year Fixed Refinance rates remain steady at 5.125% with 0.5 points, showing no change over the past week but a slight decrease from 15 days ago. Meanwhile, the 30-Year Fixed Refinance rate holds at 5.875% with 0.25 points, unchanged over both seven and fifteen days. The stability in these fixed refinance rates means the cost of borrowing has not increased recently, preserving current yield spreads for borrowers.

For members considering refinancing, especially those aiming for shorter terms or long-term stability, these consistent rates suggest evaluating fixed-rate options to manage interest expense predictability. Maintaining a steady rate environment supports clearer financial planning without unexpected increases in monthly payments.

Data-driven decisions should weigh refinancing costs against potential savings; consider locking in rates if your mortgage strategy prioritizes payment certainty or accelerated principal reduction. For details, visit https://www.americafirst.com/loans/mortgage-loans/mortgage-refinance.html.

As of February 6, 2026, refinance rates for fixed-rate mortgages have edged higher. The 15-year fixed refinance rate stands at 5.625%, up by 12.5 basis points compared to one week ago and 25 basis points over the past 30 days. This increase suggests a rising cost of borrowing for those seeking shorter-term stability. Meanwhile, the 30-year fixed refinance rate is at 6.125%, also up by 12.5 basis points from last week but unchanged over the last month, indicating relative yield spread stability for longer terms.

For members considering refinancing, these shifts highlight the importance of assessing whether locking in a fixed rate aligns with their financial goals, especially amid modest upward pressure on rates. Evaluating mortgage strategies with current trends can aid in minimizing long-term interest expenses.

Consider refinancing if potential savings outweigh associated costs and prioritize fixed-rate options if interest rate predictability is critical.

For details, visit https://www.connexuscu.org/loans/mortgage-refinance.

On February 6, 2026, the 15 Year Fixed Conforming Refinance rate remains steady at 4.00%, showing no change over the past week or month. This stable yield indicates consistent borrowing costs for members seeking to refinance with a fixed-rate product. For homeowners evaluating refinancing options, maintaining a steady rate environment simplifies cost-benefit analyses without additional basis point volatility. First-time refinancers can rely on predictable payment schedules, while those prioritizing rate certainty may find this fixed term advantageous amid broader market fluctuations. Members should consider their long-term financial goals and current interest rates; locking in a fixed rate now could mitigate future rate risk. Evaluate refinancing if projected savings exceed transaction costs to optimize mortgage strategy effectively. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/refinance.

As of February 6, 2026, 15 Year Fixed refinance rates hold steady at 4.875%, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. This moderate increase signals a slightly higher cost of borrowing for members seeking shorter-term refinancing options, impacting those aiming to reduce interest expense over time. Meanwhile, the 30 Year Fixed refinance rate remains stable at 5.625%, with no change over both the past week and month, maintaining its position as a consistent option for longer-term financing.

Members considering refinancing should evaluate their mortgage strategy carefully; those prioritizing payment stability might prefer fixed-rate products amid these shifts. Given the recent yield spread movement, it is prudent to assess whether potential savings outweigh associated refinancing costs before proceeding.

For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of February 6, 2026, Langley Credit Union reports stable mortgage rates for refinance options. The 30-year fixed refinance rate remains at 4.99%, unchanged over the past week and month, reflecting consistent yield spreads and steady borrowing costs for long-term refinancing. Meanwhile, the 15-year fixed refinance rate increased by 25 basis points to 5.25% compared to one week and one month ago, indicating a moderate rise in short- to mid-term interest expenses. This shift may affect borrowers prioritizing faster payoff timelines, potentially increasing monthly payments despite shorter terms.

Members considering refinancing should weigh these movements carefully; those seeking rate stability might favor the 30-year fixed option, while others should evaluate if the incremental cost on the 15-year fixed aligns with their financial goals. For data-driven mortgage strategy assessment, consider refinancing when potential savings exceed associated fees.

For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of February 6, 2026, refinance rates for fixed mortgage products at Mountain America remain steady. The 15-year fixed mini mortgage holds at 6.74%, unchanged over the past week and month, indicating stable borrowing costs for homeowners seeking shorter-term refinancing options. Meanwhile, the 30-year fixed refinance rate is currently at 5.875%, also unchanged from last week and the previous 30 days, representing the lowest rate available today. This stability in yield spreads suggests consistent market conditions without upward pressure on long-term fixed loans.

For members prioritizing predictable payments, especially those aiming to reduce monthly obligations over an extended period, the 30-year fixed refinance at its current level may offer cost-effective financing. Those with existing higher-rate loans should evaluate refinancing opportunities if potential savings exceed closing costs. Considering fixed-rate options is advisable for members valuing payment stability amid a flat interest rate environment.

For details, visit https://www.macu.com/loans/home-loans/refinance.

On February 6, 2026, Tropical Financial reports stable mortgage rates for refinancing. The 15-year fixed refinance rate remains steady at 5.0%, unchanged over the past week and month, reflecting consistent borrowing costs for members seeking shorter-term payoff options. Meanwhile, the 30-year fixed refinance rate decreased by 12.5 basis points, now at 5.875%, marking a meaningful reduction in long-term financing expenses compared to 7 and 30 days ago.

Members considering refinancing can benefit from these yield spreads; those prioritizing lower monthly payments may find the reduced 30-year fixed rate advantageous. Conversely, borrowers focused on paying off loans faster will see no change in the 15-year fixed rate cost structure.

Evaluate your mortgage strategy with attention to rate trends and term preferences; consider refinancing if potential savings outweigh associated costs.

For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

As of February 6, 2026, mortgage rates have shown a slight decline. The 15-Year Fixed Rate Jumbo now stands at 6.151%, down by 0.01% from yesterday and up 0.04% compared to 30 days ago. Meanwhile, the 30-Year Fixed Rate Jumbo is at 6.134%, decreasing by 0.02% in the last day and 0.08% over the past month. For borrowers, these changes indicate a modest reduction in the cost of borrowing for jumbo loans, which could lead to potential savings on monthly payments. Monitoring these trends is essential for making informed mortgage decisions.

Inflation expectations, reflected in the Breakeven Inflation Rates, influence mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rate stands at 6.110, showing no change over the past day but a decline of 0.52 points over the last year. The largest 7-day increase was seen in the Mortgage 30Yr Jumbo Average Rates, which rose by 0.14 points, signaling potential shifts in borrower costs. Meanwhile, the Breakeven Inflation Rate 5Yr increased by 0.18 points in 30 days, indicating heightened inflation expectations that could further impact future mortgage rates. Borrowers should monitor these indicators closely to navigate changing financial landscapes effectively.

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