February 7, 2026 | Lowest Adjustable ARM Rate Holds Steady at 4.00%

On February 7, 2026, American Heritage reports stable mortgage rates for adjustable-rate purchase loans. Both the 5/1 Year ARM and 7/1 Year ARM programs remain unchanged at 5.125% and 5.375%, respectively, compared to one week ago. The 5/1 Year ARM holds the lowest rate among today’s adjustable options, maintaining a favorable yield spread over recent months despite a slight tightening from 90 days prior. For first-time buyers or those prioritizing lower initial payments, these fixed initial rates support manageable borrowing costs amid current market conditions. Members with existing ARMs should monitor potential adjustments after the initial fixed period. Evaluating refinancing options remains prudent when long-term interest savings exceed associated costs; consider fixed-rate alternatives if payment stability is paramount. For details, visit https://www.americanheritagecu.org/rates#mortgage.

On February 7, 2026, the 7/1 ARM Purchase Adjustable-Rate Mortgage holds steady at 4.75%, unchanged from last week but down 25 basis points compared to 30 days ago. This decline reduces the immediate cost of borrowing for homebuyers opting for adjustable-rate financing, offering potential savings during the initial fixed period. For members considering a purchase with this product, the stable rate environment supports predictable short-term payments before adjustment. Given recent yield spreads, buyers prioritizing flexibility may find this loan type advantageous amid rate volatility. Evaluating how an adjustable rate fits your financial timeline remains essential; those valuing payment stability should also compare fixed-rate alternatives. Consider reviewing your mortgage strategy in light of these trends to optimize long-term costs and risk exposure. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

On February 7, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase remains steady at 4.00%, unchanged from one and thirty days ago. This stability in rate translates to no increase in borrowing costs over the past month, maintaining yield spreads favorable for borrowers considering adjustable options. For first-time buyers evaluating entry points, this consistency offers predictable initial payments before potential adjustments. Veterans and other members relying on government-backed loans should note that only adjustable purchase ARMs are currently available at this rate point. Given the flat trend, members may want to evaluate their mortgage strategy, especially if they prefer flexibility over fixed-rate stability or anticipate future rate shifts. Consider refinancing if your current loan exceeds this level and savings surpass associated costs. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of February 7, 2026, the 15/15 ARM Adjustable Purchase Mortgage rate remains steady at 6.00%, unchanged from one week ago. Compared to 30 days prior, this rate is stable with no increase or decrease reported. The consistent yield suggests a stable cost of borrowing for members considering adjustable-rate purchase loans. This steadiness benefits buyers who prefer an initial fixed period with predictable payments before adjustment. First-time buyers evaluating affordability should note that current rates have not escalated, maintaining borrowing costs near recent levels. Given this stability, members may wish to evaluate their mortgage strategy carefully; those valuing payment predictability might consider fixed-rate options if available, while others could monitor market shifts for potential future adjustments. For details, visit https://www.vcu.com/rates#mortgage-rates.

As of February 7, 2026, mortgage rates are mixed for Jumbo loans. The 15-Year Fixed Rate Jumbo remains stable at 6.200%, unchanged from yesterday but up 4 basis points from a week ago. In contrast, the 30-Year Fixed Rate Jumbo also holds steady at 6.161%, reflecting a slight decline of 5 basis points over the past week and a more significant drop of 14 basis points in the last month. Borrowers may find opportunities in these stable rates, particularly with the lowest rate available at 6.161% for a 30-Year Fixed Rate Jumbo. Monitoring these trends can provide valuable insights for potential financing decisions.

Current inflation expectations, as indicated by the Breakeven Inflation Rates, are stable, with the 10-Year rate at 2.340% and the 5-Year rate at 2.500%. These expectations influence mortgage rates and borrowing costs; for instance, the Mortgage 30Yr Average Rate stands at 6.110%, reflecting minimal changes over recent days. The most significant movement in rates is seen in the Mortgage 30Yr Jumbo Average Rates, which decreased by 0.20 points over the last 30 days. Borrowers should note that the lowest available mortgage rate is 5.700% for VA loans, suggesting potential opportunities in current lending environments. Monitoring these indicators can aid in making informed borrowing decisions.

Every home has a story, and so does every mortgage. At LendMesh, we understand that life changes—maybe you’re welcoming a new family member, relocating for a dream job, or finally saving up for that perfect neighborhood. Our team has built relationships with a diverse range of credit unions and banks, allowing us to bring you up-to-date rates and special lending programs tailored for real life. You won’t find generic advice here; instead, you’ll get insights and tips that match your unique journey. Thinking about what comes next? Discover our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and let us help you write your next chapter with confidence.