February 11, 2026 | Lowest FHA Fixed Rate at 4.625% Today

On February 11, 2026, the 30-Year FHA Fixed Purchase mortgage rate stands at a competitive 5.125%, marking a decrease of 12.5 basis points from last week and a more substantial drop of 50 basis points compared to one month ago. This downward movement in yield spreads reduces the overall cost of borrowing for members seeking government-backed purchase loans with fixed terms.

First-time buyers relying on FHA financing may find improved affordability due to these rate declines, potentially lowering monthly payments and increasing purchasing power. While veterans or refinancing borrowers are not directly impacted by today's data, those considering new purchase options should evaluate fixed-rate programs for stability amid market fluctuations.

Given these trends, members should consider locking in current rates or reassessing mortgage strategies to optimize long-term financing costs. For details, visit https://www.avadiancu.com/Rates/Mortgage-Rates.

As of February 11, 2026, 15-year fixed purchase loans remain at a competitive 5.00% with 0.875 points, holding steady over the past week but up by 12.5 basis points compared to 30 days ago. This modest increase slightly raises the cost of borrowing for homebuyers seeking shorter-term stability. Meanwhile, the 30-year fixed purchase rate holds firm at 5.25% with 2 points, unchanged from last week, providing a consistent yield spread for longer-term financing.

For members prioritizing predictability, especially first-time buyers or those aiming to minimize interest expense over time, the stable 15-year fixed rate remains the lowest available option today. Given these dynamics, consider locking in rates if you value payment certainty; alternatively, evaluate refinancing opportunities where cost savings surpass transaction expenses.

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

As of February 11, 2026, FHA 15-Year Fixed Purchase rates hold steady at 5.00%, unchanged from last week but up 25 basis points over the past 30 days. This increment increases the cost of borrowing for buyers seeking shorter-term, government-backed loans, potentially impacting monthly payments and affordability. Meanwhile, the FHA 30-Year Fixed Purchase rate decreased by 12.5 basis points week-over-week to 5.50%, though it remains elevated by 12.5 basis points compared to 30 days ago. This slight decline may offer marginal relief for long-term borrowers prioritizing predictable payments but suggests persistent yield spreads in the mortgage market. Members considering home purchases should evaluate these trends carefully; those valuing payment stability might favor fixed-rate FHA options despite recent fluctuations. For details, visit https://www.ent.com/rates/#:~:text=Mortgage%20purchase%20rates.

As of February 11, 2026, the 15 Year Fixed FHA Mortgage for home purchases is priced at 4.99%, reflecting a slight decrease of 10 basis points compared to one week ago and holding steady over the past 30 days. This represents the lowest rate among today’s FHA purchase options, offering cost-effective borrowing for members seeking shorter-term stability. Meanwhile, the 30 Year Fixed FHA Mortgage remains unchanged at 5.375%, up by 12.5 basis points from 30 days prior, indicating a modest increase in long-term yield spreads.

For first-time buyers and those prioritizing lower monthly payments, the stable 30-year rate suggests limited immediate savings but predictable costs. The reduced 15-year rate may benefit members aiming to build equity faster with manageable interest expenses. Members should assess their mortgage strategy carefully; consider fixed-rate options if stability is a priority or evaluate refinancing opportunities when potential savings exceed transaction costs.

For details, visit https://www.gwcu.org/rates/homeloans.

As of February 11, 2026, the 30-year FHA Fixed Purchase rate stands at 5.75%, marking an increase of 12.5 basis points compared to last week and 25 basis points higher than 30 days ago. This upward movement elevates the cost of borrowing for first-time homebuyers utilizing FHA loans, potentially affecting monthly payment affordability and overall loan qualification thresholds. Members considering new purchases should weigh the impact of these rising yield spreads on long-term expenses. Given the steady climb in rates, borrowers prioritizing payment predictability may find value in locking fixed-rate terms now. Evaluating refinancing options remains prudent if future rate declines present opportunities to reduce interest costs and improve cash flow. For details, visit https://www.wellbyfinancial.com/loan/home-loans/#Rates.

On February 11, 2026, the 15-year FHA fixed purchase mortgage rate decreased by 12.5 basis points, settling at 4.875%, marking the lowest available rate in today’s offerings. This slight decline from last week reduces borrowing costs for buyers seeking shorter-term FHA loans, potentially benefiting first-time homebuyers with moderate down payments. Conversely, the 30-year FHA fixed purchase rate remained steady at 5.25%, showing no change over the past 7 and 30 days. Stability in this longer-term product allows borrowers to maintain predictable payment structures without increased yield spreads.

Members evaluating their financing options should consider fixed-rate products if prioritizing payment stability; meanwhile, those eligible for shorter terms may find cost savings in recent rate shifts. Assess refinancing viability only when projected interest savings exceed associated fees.

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

As of February 11, 2026, the 30-Year Fixed FHA Purchase mortgage rate remains steady at 5.25%, unchanged over the past week and month. This stability in yield spreads means borrowing costs for first-time homebuyers relying on government-backed FHA loans have not increased, preserving predictable payment structures. For members prioritizing long-term cost certainty, maintaining fixed-rate options like this provides consistent budgeting advantages amid broader market fluctuations. Given the current rate plateau, borrowers should evaluate their mortgage strategy carefully; those considering purchase financing can benefit from locking in these stable rates, while existing homeowners may assess refinancing only if potential savings exceed associated fees. For details, visit https://www.pacificservice.org/rates#tab4.

On February 11, 2026, the 30-year Fixed FHA Purchase Loan rate at Pentagon Credit Union decreased to 5.125%, marking a decline of 12.5 basis points compared to one week ago and a more significant drop of 25 basis points relative to 30 days prior. This reduction in yield spread lowers the cost of borrowing for first-time homebuyers and those leveraging government-backed financing options. Members considering home purchases may benefit from this improved rate environment, which enhances affordability on long-term fixed-rate loans. Given this trend, evaluating fixed-rate FHA options could provide stability amid market fluctuations. Additionally, members should assess their current mortgage strategy to determine if refinancing aligns with their financial goals, particularly when potential savings outweigh associated costs. For details, visit https://www.penfed.org/mortgage/mortgage-rates?_ga=GA1.1.113342144.1749209030&mcid=44478617903031329443022793571867311851.

On February 11, 2026, 15-Year Fixed Purchase mortgage rates stand at 4.625%, marking a 12.5 basis points decrease from one week ago but a slight 12.5 basis points increase compared to 30 days prior. Similarly, the 30-Year Fixed Purchase rate is at 5.25%, also down by 12.5 basis points over the past week and up by the same margin month-over-month. These fluctuations indicate modest yield spread tightening in the short term, potentially lowering borrowing costs for members locking in fixed-rate loans today.

For first-time buyers or those seeking long-term stability, the recent dip in fixed rates may improve affordability on new purchases. Conversely, homeowners considering refinancing should evaluate whether current rates justify closing costs given the recent small upward trend over 30 days. Members prioritizing predictability might consider fixed-rate options amid these nuanced movements.

Consider your mortgage strategy carefully; assess refinancing only if projected savings exceed associated expenses.

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

On February 11, 2026, the FHA 30 Year Fixed Purchase mortgage rate remains steady at 5.375%, unchanged from both one week and one month ago. This stability in rates indicates no immediate shift in the cost of borrowing for first-time buyers relying on government-backed financing. For members considering home purchases under the FHA program, consistent rates can aid in precise budgeting and long-term financial planning. Given the flat yield spread over recent weeks, those valuing payment predictability might prioritize fixed-rate options to mitigate interest rate risk. Evaluating your mortgage strategy with these stable figures is advisable; consider refinancing only if projected savings outweigh transaction costs. For details, visit https://www.sunmark.org/index.php/current-rates#:~:text=Mortgages-,MORTGAGE%20TYPE,-RATE.

As of February 11, 2026, mortgage rates are mixed. The 15-Year Fixed Rate Jumbo stands at 6.210%, up by 0.02 basis points from yesterday and reflecting a 30-day increase of 0.08 basis points. In contrast, the 30-Year Fixed Rate Jumbo has increased to 6.219%, showing a more significant daily rise of 0.07 basis points and a slight weekly uptick of 0.02 basis points. Over the past month, however, this product has decreased by 0.06 basis points. Borrowers should note these fluctuations as they can impact the overall cost of borrowing; careful consideration is advised when selecting a loan type.

As of February 11, 2026, breakeven inflation rates indicate stable inflation expectations, with the 10-year rate at 2.320% and the 5-year rate slightly higher at 2.470%. Recent data shows significant changes in mortgage rates: the 30-year average rate has decreased by 6.22 points over the past 60 days, while the 30-year FHA rate has seen a modest rise of 0.06 points in that same timeframe. The largest decline in recent weeks was noted in the 30-year jumbo average rates, down by 0.11 points over the last seven days. Borrowers should consider these trends when evaluating financing options, as lower mortgage rates can lead to reduced borrowing costs.

Buying a home isn’t just a transaction—it’s a new chapter in your life. At LendMesh, we’ve watched families take that leap with excitement and, yes, a little nervousness too. Our team’s biggest reward is hearing that someone found clarity and confidence after comparing options through our platform. We’re proud to work with both large and local credit unions and banks, so you always see a wide range of mortgage rates and lending programs. With honest guides, friendly calculators, and real people ready to answer your questions, you’re never left to guess what comes next. If you’re ready for advice that feels like it’s coming from a trusted friend, check out our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Let’s make homeownership a reality, together.