February 10, 2026 | VA Fixed Mortgage Rate Drops to 4.75% Today

On February 10, 2026, the 30-Year VA Fixed Purchase mortgage rate stands at a competitive 5.125%, reflecting a decrease of 12.5 basis points from last week and a notable decline of 50 basis points compared to 30 days ago. This reduction in yield spreads lowers the cost of borrowing for veterans and eligible buyers, potentially improving affordability on new home purchases. For members prioritizing payment stability, this fixed-rate product offers predictability amid recent market fluctuations. Given these trends, veterans considering home acquisition should evaluate fixed-rate options to lock in favorable terms. Additionally, those with existing VA loans might assess refinancing possibilities if potential savings surpass associated costs. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

On February 10, 2026, Federal VA 15-year fixed purchase loans maintain the lowest rate at 5.125%, unchanged over the past week and month. Meanwhile, the Federal VA 30-year fixed purchase loan rate decreased by 12.5 basis points, now at 5.5%, reflecting a modest decline in the cost of borrowing for longer-term veterans’ mortgages. This narrowing yield spread between 15- and 30-year terms may influence borrowers prioritizing monthly payment stability versus total interest outlay.

For veterans considering new home purchases, the steady 15-year rate offers predictable financing costs, while the slight improvement in 30-year rates could enhance affordability for those seeking lower monthly payments. Evaluating your mortgage strategy with these rates in mind is advisable; consider fixed-rate options if you value long-term certainty or assess refinancing if current savings exceed associated costs.

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

As of February 10, 2026, mortgage rates for 15-year VA Loans and 30-year VA Loans remain steady at 5.125% and 5.625%, respectively. There has been no change in yield spreads over the past week or month, indicating stable borrowing costs for veterans seeking to purchase homes with these government-backed fixed-rate options. For members prioritizing predictable payments and long-term budgeting, the unchanged 15-year VA Loan rate at 5.125% represents the most cost-effective fixed term available today. Veterans evaluating home financing should consider how these consistent rates affect their debt service and overall affordability. Given the stable market conditions, it may be prudent to assess whether a fixed-rate VA loan aligns with your financial goals or if alternative strategies could optimize your mortgage structure. For details, visit https://www.cu1.org/rates#real-estate-rates.

On February 10, 2026, CREDIT UNION WEST reports steady mortgage rates for fixed-rate purchase loans. The 15-year fixed purchase rate remains at 4.875%, unchanged from one week ago but down 11.5 basis points compared to 30 days prior, representing a modest reduction in borrowing costs for borrowers seeking shorter terms. Meanwhile, the 30-year fixed purchase rate holds steady at 5.375%, with no change over the past 7 or 30 days, maintaining yield stability for long-term financing.

These trends suggest that members prioritizing predictability may favor the 15-year fixed option due to its recent decline and lower overall rate, potentially reducing total interest paid over time. First-time buyers and others considering home purchases should assess their financial goals in light of these stable yet differentiated rate environments. Evaluating refinancing opportunities remains prudent when basis point savings outweigh associated costs.

For details, visit https://www.cuwest.org/borrowing/mortgages/purchasing-a-home.

As of February 10, 2026, VA 15-year Fixed Purchase loans maintain the lowest rate at 5.00%, unchanged over the past 7 and 30 days. Similarly, the VA 30-year Fixed Purchase loan holds steady at 5.50% with no recent movement. This stability in yield spreads indicates consistent borrowing costs for veterans seeking long-term financing options. For first-time buyers or those prioritizing predictable payments, these fixed-rate VA programs offer a reliable cost structure without recent upward pressure on rates. Evaluating your mortgage strategy in this environment may involve considering fixed-rate options if you value payment certainty or exploring refinancing if current rates improve relative to your existing loan. For details, visit https://www.ecu.com/personal-banking/home-loans/buy-a-home/#rates.

On February 10, 2026, VA 15-Year Fixed Purchase rates remain steady at 5.00%, holding firm over the past week and month, representing no change in yield spreads or borrowing costs. This stability benefits veterans prioritizing shorter-term loans with predictable payments. Meanwhile, the VA 30-Year Fixed Purchase rate has decreased by 12.5 basis points to 5.50%, improving affordability for borrowers seeking long-term financing; this marks a notable downward shift since last week and the past 30 days, potentially lowering monthly obligations for eligible buyers.

Members evaluating mortgage strategies should consider these trends: choose the 15-year VA fixed option for consistent rates and accelerated equity building or assess the 30-year VA fixed for lower initial costs amid recent rate easing. For those weighing purchase timing or refinancing, data-driven decisions hinge on comparing projected savings against transaction costs.

For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of February 10, 2026, 15-year VA fixed mortgage rates remain steady at 5.125%, showing no change over the past week or month. This consistent rate supports veterans seeking shorter-term financing with predictable monthly payments and potentially lower total interest costs. Meanwhile, the 30-year VA fixed rate holds at 5.25%, unchanged from last week but down 12.5 basis points compared to 30 days ago. This slight decline reduces the long-term cost of borrowing for veterans purchasing homes with extended terms. Members should assess their loan horizon and consider fixed-rate options if stability is a priority. Additionally, those with existing loans might evaluate refinancing opportunities when savings exceed transaction costs to optimize their mortgage strategy. For details, visit https://www.macu.com/rates/home.

As of February 10, 2026, VA 15-Year Fixed Purchase loans remain steady at 4.75%, marking a decrease of 12.5 basis points compared to 30 days ago. This stable yield benefits veterans seeking shorter-term financing with predictable monthly payments and potentially lower total interest costs. Meanwhile, the VA 30-Year Fixed Purchase rate has declined significantly by 100 basis points over the past week, now at 5.25%, reflecting improved borrowing conditions for longer-term homebuyers. This notable reduction in cost of borrowing may encourage veterans aiming for extended amortization to evaluate their mortgage strategy carefully. Members should consider these rate trends when assessing fixed-rate options; those prioritizing payment stability might find value in the 15-year term, while others could explore the 30-year for lower initial yields. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of February 10, 2026, 15-Year Fixed Purchase mortgage rates remain steady at 4.75%, showing no change over the past week but a modest increase of 12.5 basis points compared to 30 days ago. This rate represents the lowest available option today, benefiting members seeking shorter-term stability and potentially lower total interest costs. Meanwhile, the 30-Year Fixed Purchase rate holds firm at 5.25%, unchanged both weekly and monthly, reflecting stable borrowing costs for long-term homebuyers prioritizing fixed payments.

For first-time buyers or those prioritizing payment predictability, the sustained 15-Year Fixed rate suggests a consistent cost environment; meanwhile, longer-term borrowers can expect steady financing expenses with the unchanged 30-Year Fixed rate. Members should evaluate their mortgage horizon carefully; consider fixed-rate options if you value payment certainty or review refinancing opportunities if your current rate exceeds today’s benchmarks by a meaningful margin.

For details, visit https://www.p1fcu.org/personal/mortgage-rates.

As of February 10, 2026, VA 15-Year Fixed Purchase rates remain stable at 4.875%, unchanged from one week ago, maintaining the lowest cost of borrowing among today’s options. In contrast, the VA 30-Year Fixed Purchase rate increased by 12.5 basis points, rising to 5.625% from 5.5% last week, though it remains down 12.5 basis points compared to 30 days ago.

For veterans and buyers prioritizing long-term predictability, the steady 15-year VA fixed rate offers consistent yield spreads with minimal short-term volatility. Meanwhile, those considering longer terms should evaluate if the recent uptick in the 30-year fixed rate aligns with their financing goals.

Given these movements, members may want to consider fixed-rate options for stability or assess refinancing if potential savings outweigh associated costs.

For details, visit https://www.wecu.com/homeloans/purchase/.

As of February 10, 2026, mortgage rates have generally decreased for certain jumbo loan products. The 15-Year Fixed Rate Jumbo is now at 6.183%, down by 0.07 basis points from yesterday and up 0.05 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo stands at 6.178%, reflecting a slight decrease of 0.02 basis points from the previous day and a more significant decline of 0.13 basis points over the last month. Borrowers may find these trends beneficial as lower rates can reduce the overall cost of borrowing, potentially making home financing more accessible. Monitoring these fluctuations can aid in making informed mortgage decisions.

Inflation expectations, as indicated by the Breakeven Inflation Rate, are closely tied to mortgage rates and overall borrowing costs. Recently, the Mortgage 30Yr Jumbo Average Rates saw significant declines, with a 1-day change of -6.21 points, a 7-day drop of -6.28 points, and a 30-day decrease of -6.37 points; these changes reflect heightened sensitivity in borrowing costs amid fluctuating inflation perceptions. The current lowest mortgage rate recorded is the Mortgage 30Yr FHA Average Rate at 5.941%. Borrowers should remain vigilant, as these shifts can influence financing decisions and long-term affordability.

For many, a home is the biggest investment they’ll ever make. At LendMesh, we take that responsibility seriously. Our mission is to empower you—not just with competitive rates from trusted credit unions and banks, but also with the knowledge and confidence to make the best decision for your family. We’ve created guides, checklists, and calculators that turn the complicated world of mortgages into something you can actually understand. And we’re always just a click away if you need help along the way. Ready to see how LendMesh is changing the mortgage experience? Dive into our Mortgage Loans page at https://www.lendmesh.com/loans/mortgage_loans and discover a smarter way to homeownership.