February 21, 2026 | Lowest Adjustable ARM Rate Holds at 4.00% Today

On February 21, 2026, the 7/1 ARM adjustable-rate mortgage for purchase loans remains steady at 4.75%, unchanged from both one week and one month ago. This stability in yield spreads marks a 25 basis point decline compared to rates 45 days prior, reflecting a modest easing in borrowing costs over the past one and a half months. For borrowers considering adjustable-rate products, especially first-time buyers seeking initial lower payments, this rate consistency provides predictability during the fixed-rate period before adjustment. Veterans and those exploring refinancing options should evaluate whether the fixed initial term aligns with their financial plans amid stable rates. Given current trends, members might consider fixed-rate alternatives if they prioritize long-term payment stability or assess refinancing only if projected savings exceed associated costs. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of February 21, 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 rate translates to consistent borrowing costs for prospective homebuyers considering adjustable loans. First-time buyers can expect predictable initial payments without immediate yield spread fluctuations, while current borrowers evaluating refinancing options will see no new rate advantage from adjustable products at this time. Given the unchanged rate environment, members should assess their risk tolerance; those preferring payment certainty might explore fixed-rate alternatives if available. Additionally, evaluating mortgage strategies against long-term cost projections is advisable to optimize financial outcomes. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

On February 21, 2026, the 5/1 Adjustable Rate Mortgage (ARM) for purchase loans remains steady at a rate of 6.143%, with zero points. This reflects no change in yield compared to one week ago but represents an increase of approximately 16.5 basis points relative to 30 days prior. Borrowers considering this ARM option should note the recent upward trend in the cost of borrowing after a period of stability.

For members planning to purchase a home with an adjustable loan, this implies that initial payments remain consistent week-over-week; however, the gradual rise over the past month could impact future adjustments and overall affordability. First-time buyers and those preferring flexibility might still find value in ARMs but should evaluate their risk tolerance given the potential for rate increases.

Given these movements, members are encouraged to assess whether locking in a fixed-rate alternative aligns better with their long-term financial plans or if monitoring short-term market shifts suits their needs. For details, visit https://www.safefed.org/loans/mortgage.

On February 21, 2026, ST. MARY'S BANK reports stable mortgage rates for adjustable-rate purchase loans. The 30-year Adjustable Rate Mortgage (ARM) with a 5% initial cap and 2% annual adjustment remains at a competitive 6.0%, down by 12.5 basis points compared to last week, reflecting a modest decrease in the cost of borrowing for new buyers in New Hampshire. Meanwhile, the 15-year ARM with a 2% initial cap holds steady at 6.5%, unchanged from last week but slightly lower by about 7 basis points over the past month.

These shifts suggest improved yield spreads for borrowers seeking flexible terms; first-time buyers might benefit from the reduced initial rate on the longer-term ARM, while those prioritizing shorter amortization should note stable but higher costs on the 15-year option. Members evaluating purchase strategies should consider how these rate movements align with their financial horizon and risk tolerance.

Given current trends, members are advised to evaluate adjustable-rate options carefully and consider refinancing if projected savings exceed associated fees.

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

As of February 21, 2026, mortgage rates for 15-Year Fixed Rate Jumbo loans remain steady at 6.034%, unchanged from yesterday. In contrast, the 30-Year Fixed Rate Jumbo loans also hold steady at 6.178%. Over the past week, the 15-Year Fixed Rate Jumbo saw a decline of 0.19 basis points, while it has decreased by 0.15 basis points over the last month and 0.30 basis points in the past two months. Borrowers considering these products may find value in the current rates, particularly with consistent pricing amid recent fluctuations. It is advisable to evaluate personal financial situations and market conditions before proceeding with a mortgage decision.

Current inflation expectations, as indicated by the Breakeven Inflation Rates, show stability with the 10-year rate at 2.280 and the 5-year rate at 2.430. These expectations can influence mortgage rates and borrowing costs, which remain elevated despite recent fluctuations. Notably, the Mortgage 30Yr Usda Average Rate is currently the lowest at 5.775, while significant shifts include a 0.19 point increase in the Mortgage 30Yr Jumbo Average Rates over the past week and a 0.14 point decrease in the Mortgage 30Yr Va Average Rates over the last month. Borrowers should consider these trends when assessing loan options, as stable inflation can lead to more predictable borrowing costs moving forward.

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