February 14, 2026 | Lowest Adjustable ARM Rate Holds at 4.00%

As of February 14, 2026, the 7/1 ARM Purchase Adjustable-Rate Mortgage holds steady at a rate of 4.75% with 1.0 point, showing no change over the past week or month. This stability in yield spreads indicates a consistent cost of borrowing for buyers opting for this adjustable product. For members considering home purchases, especially those who anticipate selling or refinancing within seven years, the unchanged rate supports predictable initial payments without added short-term risk.

First-time buyers may find this rate advantageous compared to higher fixed rates; however, they should assess potential future adjustments after the fixed period. Veterans and other borrowers focused on long-term payment stability might consider evaluating fixed-rate alternatives.

Given the current data, members should evaluate their mortgage strategy carefully, considering their expected tenure in the home and tolerance for interest rate variability. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of February 14, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase remains steady at 4.00%, showing no change over the past 7 and 30 days. This stability in yield spreads indicates consistent borrowing costs for members seeking adjustable-rate options, particularly benefiting buyers who anticipate fluctuating interest rates or plan to sell or refinance within a few years. First-time homebuyers considering an ARM can expect predictable initial payments without immediate rate volatility. Given the unchanged rate environment, members should evaluate their mortgage strategy carefully; those valuing payment stability might consider fixed-rate alternatives, while others could explore adjustable terms to leverage potential future rate declines. Consider your long-term financial goals and assess refinancing opportunities if market conditions shift. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

On February 14, 2026, the 5/1 Adjustable Rate Mortgage (ARM) for home purchase registered at a rate of 6.143%, reflecting an increase of 16.5 basis points compared to one week ago and the same increase relative to 30 days prior. This upward movement in yield spreads indicates a rising cost of borrowing for members opting for adjustable-rate purchase loans. For prospective homebuyers, particularly those considering variable rates, this shift suggests higher initial payments and potential payment volatility after the fixed period ends. Members should evaluate whether a fixed-rate alternative better aligns with their financial stability goals. Given these developments, it is advisable to reassess mortgage strategies carefully; those sensitive to rate fluctuations might consider locking in fixed rates or delaying adjustment resets where possible. For details, visit https://www.safefed.org/loans/mortgage.

On February 14, 2026, the 30-year Adjustable Rate Mortgage (ARM) for new purchases in New Hampshire is offered at a rate of 6.125% with no points, reflecting a 25 basis point decrease from last week and a slight 12.5 basis point increase compared to 30 days ago. This movement signals tighter yield spreads over the past month but improved borrowing costs recently. Members considering adjustable loans should weigh the initial lower rate against potential future adjustments capped at 5% annually and lifetime. First-time buyers may find this ARM attractive for short-term savings, while long-term planners should evaluate fixed-rate alternatives to mitigate interest rate risk. Given current fluctuations, borrowers might consider locking in rates or assessing refinancing if projected savings justify associated costs. For details, visit https://www.stmarysbank.com/rates/mortgage-rates.

On February 14, 2026, the 15/15 Adjustable Rate Mortgage (ARM) for new home purchases remains steady at 6.00%, unchanged from both one week and one month ago. This stability in yield spreads indicates no immediate shift in borrowing costs for members considering adjustable-rate loans. For buyers planning to leverage an ARM, the consistent rate suggests predictable initial payments over the first 15 years, but they should remain aware of potential adjustments thereafter.

Given the flat rate environment, first-time buyers may find this product suitable if they anticipate income growth before rate resets. Veterans and refinancers should monitor market trends closely for any forthcoming volatility. Members evaluating mortgage strategies might consider fixed-rate options if payment certainty is a priority or assess refinancing possibilities if rate reductions become available.

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

As of February 14, 2026, mortgage rates remain stable with mixed movements observed in recent days. The 15-Year Fixed Rate Jumbo holds steady at 6.219%, showing no change over the last day but a slight increase of 0.02 basis points over the past week. Meanwhile, the 30-Year Fixed Rate Jumbo also remains unchanged at 6.167%, reflecting a modest decrease of 0.13 basis points in the last month. Borrowers should note that while rates are stable today, fluctuations in recent weeks indicate potential shifts ahead. Careful monitoring of market trends is advisable to make informed borrowing decisions.

Inflation expectations, as reflected in the Breakeven Inflation Rates, influence mortgage rates and the overall cost of borrowing. Currently, the 10-Year Breakeven Rate is at 2.290%, unchanged from yesterday, indicating stable inflation outlooks. In contrast, the Mortgage 30-Year Average Rate stands at 6.090%, with a slight decrease of 0.02 points over the past week. The largest decline was seen in the Mortgage 30-Year Jumbo Average Rates, which fell by 0.23 points over the last month, impacting borrower affordability. Notably, the lowest mortgage rate reported is for 30-Year USDA Loans at 5.828%. Borrowers should consider these trends when evaluating financing options to optimize their long-term costs.

The path to homeownership can look different for everyone—maybe you’re taking things slow or perhaps you’re ready to make a move this season. At LendMesh, we see it all: teachers, business owners, families with big dreams, and retirees searching for something smaller. What unites them? The need for clear, unbiased advice. Our advisors connect you with a blend of community-focused credit unions and reputable banks, all on a platform built for real life, not just sales pitches. From understanding rate changes to budgeting for closing costs, our resources make your next steps easier. Discover how we can help by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . Your story is unique, and your mortgage should be too.