February 12, 2026 | Jumbo Fixed Mortgage Rate Holds at 4.625%

As of February 12, 2026, the 30 Year Jumbo Fixed Purchase mortgage rate at ALOHA PACIFIC remains steady at 5.00%, unchanged from one week ago. This represents a decline of 25 basis points compared to 30 days prior, indicating a modest easing in borrowing costs for jumbo loan borrowers. For members seeking high-value home purchases, this stable yield spread supports predictable long-term payments without short-term volatility. First-time buyers and those with substantial loan amounts may benefit from locking in fixed rates amid this downward trend. Given these movements, members should evaluate their mortgage strategy carefully; consider fixed-rate options if stability is a priority, or assess refinancing opportunities when potential savings exceed associated costs. For details, visit https://alohapacific.com/home-mortgages/home-mortgage-rates/.

On February 12, 2026, ALTURA reports that the 15 Year , Jumbo Fixed Purchase rate decreased by 12.5 basis points, now at a competitive 5.00%, marking it as the lowest rate available today. This slight decline reduces borrowing costs for high-value homebuyers seeking shorter-term fixed payments. Conversely, the 30 Year , Jumbo Fixed Purchase rate held steady at 5.75%, showing no change over the past week but a modest increase of 12.5 basis points compared to 30 days ago, reflecting persistent yield spreads in longer-term jumbo loans.

Members targeting large loan amounts may benefit from considering the lower 15-year option if they prioritize faster principal reduction and reduced interest expense. Meanwhile, those preferring payment stability over three decades should monitor potential rate shifts before locking in.

Evaluate your mortgage strategy accordingly; consider fixed-rate options for predictable payments or assess refinancing if potential savings outweigh transaction costs. For details, visit https://www.alturacu.com/products/home-loans/purchasing/.

As of February 12, 2026, Jumbo 15-year fixed purchase loans offer the most competitive rate at 4.625%, down 12.5 basis points from last week and 37.5 basis points below rates from 30 days ago. This decline reduces the cost of borrowing for borrowers seeking shorter-term financing with stable payments. Meanwhile, the Jumbo 30-year fixed purchase rate stands at 5.75%, also decreased by 12.5 basis points over the past week and month, reflecting modest easing in long-term yield spreads.

Members aiming for predictable payments may consider these fixed-rate jumbo options; first-time buyers and those purchasing high-value properties benefit from current lowered yields. Evaluating refinancing is advisable if potential savings outweigh closing costs, especially given recent downward trends.

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

As of February 12, 2026, Jumbo 15 Year Fixed Rate Purchase loans are priced at a 5.25% rate with 1.125 points, marking a 12.5 basis point decrease from last week and stable compared to 30 days ago. Similarly, the Jumbo 30 Year Fixed Rate Purchase stands at 5.75% with 1.25 points, also down by 12.5 basis points over seven days and unchanged month-over-month. These yield improvements reduce the cost of borrowing for high-balance homebuyers seeking longer-term financing or shorter amortization schedules. Members considering large loan amounts may benefit from locking in current fixed rates, which have eased slightly after recent volatility. Evaluating refinancing opportunities or purchase timing is prudent when rate shifts exceed typical transaction costs to optimize long-term mortgage expenses. For details, visit https://www.desertfinancial.com/en/rates#a_ref_2187.

As of February 12, 2026, 15-Year Fixed Jumbo Purchase rates have risen by 12.5 basis points to 5.125%, reflecting a modest uptick in borrowing costs compared to last week and the past month. Meanwhile, the 30-Year Fixed Jumbo Purchase rate remains steady at 6.0%, showing no change over both the last 7 and 30 days. This rate stability may benefit members seeking long-term predictability, while the increase in shorter-term jumbo rates could impact buyers aiming for quicker payoff schedules. Members considering jumbo loans should evaluate whether locking in current fixed rates aligns with their financial strategy given recent upward pressure on shorter terms. For details, visit https://www.hvcu.org/personal/borrow/mortgages/mortgage-rates/.

As of February 12, 2026, Conventional 15 Year Jumbo Fixed Purchase loans hold the lowest rate at 5.375% with 0.25 points, unchanged from one week ago but up 12.5 basis points compared to 30 days prior. Meanwhile, the Homebuyers Choice 30 Year Jumbo Fixed Purchase loan remains steady at 6.75% with 0.5 points, showing no change over seven days but a significant increase of 112.5 basis points versus one month ago.

These movements suggest a modest rise in borrowing costs for shorter terms and a notable yield spread widening for longer-term jumbo loans, impacting buyers prioritizing term length and loan size differently. Members seeking predictability may favor the stable 15-year fixed rate, while those considering larger purchases should evaluate long-term cost implications carefully.

Given recent rate trends, members are advised to consider fixed-rate options for budget certainty and assess refinancing only if potential savings outweigh transaction expenses. For details, visit https://www.navyfederal.org/loans-cards/mortgage/mortgage-rates.html.

As of February 12, 2026, 15-year fixed purchase mortgages are priced at 4.86%, marking a modest increase of 2 basis points from last week. Meanwhile, the 30-year fixed purchase rate stands at 5.38%, up by 3 basis points over the same period. These incremental yield spreads indicate a slight uptick in borrowing costs for homebuyers locking in fixed terms today.

For members prioritizing predictability and lower interest expenses over the loan term, the 15-year fixed rate remains the lowest available option, potentially reducing total interest paid despite higher monthly payments. Conversely, those seeking longer-term affordability with stable payments should note the minor rise in the 30-year fixed rate, which may influence monthly budgeting.

Given these trends, members should evaluate their mortgage strategies carefully; consider fixed-rate options if stability is paramount or assess refinancing when projected savings exceed transaction costs. 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 12, 2026, 15-Year Fixed Jumbo and 30-Year Fixed Jumbo purchase mortgage rates remain steady at 6.00% and 6.50%, respectively. Both rates show no change over the past seven days, indicating stable yield spreads in jumbo loan markets. Compared to 30 days ago, these rates have decreased by 25 basis points, reflecting a modest reduction in borrowing costs for high-balance homebuyers. This stability benefits buyers seeking long-term financing certainty with fixed payments; however, veterans or first-time buyers should note that jumbo loans typically exceed conforming limits and may not be applicable. Members considering large purchases should evaluate fixed-rate options for predictable payments amid current market conditions. For details, visit https://www.ssfcu.org/rates/home-loan-rates.

On February 12, 2026, 15-year Jumbo fixed-rate purchase loans remain steady at 5.50% with 0.875 points, unchanged over the past 7 and 30 days. Similarly, 30-year Jumbo fixed-rate purchase loans hold firm at 5.625% with 0.375 points, showing no movement week-over-week or month-over-month. These stable rates indicate minimal volatility in yield spreads for Jumbo loan products, maintaining consistent borrowing costs for high-value homebuyers.

For members pursuing Jumbo mortgages, the current environment favors those prioritizing predictable payments; fixed-rate terms provide cost certainty amid broader market fluctuations. First-time buyers and those managing larger loan amounts can benefit from evaluating these unchanged rates against their long-term financing plans.

Given the static rate landscape, members should consider locking in fixed-rate Jumbo loans to mitigate future interest risk or assess refinancing opportunities only if projected savings exceed associated costs.

For details, visit https://www.tropicalfcu.com/compare-best-mortgages-interest-rates-and-home-loan-options-in-florida.

As of February 12, 2026, mortgage rates reflect a mixed trend. The 15-Year Fixed Rate Jumbo has decreased to 6.172%, down 0.11 basis points from yesterday, while the 30-Year Fixed Rate Jumbo has slightly increased to 6.202%, up 0.02 basis points in the same period. Over the past week, the 30-Year Fixed Rate Jumbo has risen by 0.05 basis points, indicating a modest increase in borrowing costs for this product. In contrast, the 15-Year Fixed Rate Jumbo has seen a decline of 0.12 basis points over the last 60 days, suggesting improved affordability for shorter-term loans. Borrowers should carefully consider these fluctuations when evaluating their financing options.

Inflation expectations, reflected by the Breakeven Inflation Rates, play a crucial role in determining mortgage rates and borrowing costs. Currently, the Mortgage 30Yr Average Rates have dropped significantly by 6.11 points over the past week, reflecting a more favorable borrowing environment for consumers. Additionally, the Mortgage 30Yr Jumbo Average Rates decreased by 0.19 points in the last 30 days, indicating a trend towards lower borrowing costs. The lowest mortgage rate noted is 5.700% for 30Yr VA loans, which may present an opportunity for potential homebuyers or those looking to refinance. Monitoring these shifts can help borrowers make informed decisions in this evolving economic landscape.

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