February 27, 2026 | Refinance Rates Hold Steady at 4.00% Fixed Conventional

As of February 27, 2026, 15-Year Fixed-Rate Conventional refinance loans remain at a stable 5.375%, showing no change over the past week or month. This rate represents the lowest cost of borrowing among today's refinance options, offering a favorable yield spread for borrowers seeking shorter terms and quicker equity buildup. Meanwhile, the 30-Year Fixed-Rate Conventional refinance also holds steady at 5.875%, unchanged in the last seven and thirty days, maintaining consistent long-term financing costs for homeowners prioritizing lower monthly payments.

For members considering refinancing, these stable rates suggest an opportunity to evaluate fixed-rate options if you value payment predictability and long-term planning. Given that rates have not increased recently, refinancing may help reduce interest expenses over time, particularly on shorter-term loans. Consider your mortgage strategy carefully by assessing potential savings against refinancing costs.

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

As of February 27, 2026, Delta Community reports stable mortgage rates for refinance loans in fixed-rate categories. The 15-year fixed refinance rate remains at 4.875%, unchanged over the past week and month, representing the lowest yield among available options. Similarly, the 30-year fixed refinance rate holds steady at 5.5%, with no movement in basis points recently.

For members considering refinancing, these stable rates indicate consistent borrowing costs, facilitating predictable budgeting for loan payoff strategies. First-time buyers focusing on long-term affordability may find evaluating fixed-rate options advantageous due to their rate certainty.

Given the lack of recent upward pressure on rates, members should assess whether refinancing aligns with their financial goals, especially if potential savings outweigh transaction costs. Maintaining awareness of yield spreads and market trends supports data-driven mortgage decisions in a stable interest rate environment.

As of February 27, 2026, 15-Year Fixed Refinance rates remain stable at 5.125%, unchanged from last week but down 25 basis points compared to 30 days ago. This represents a notable reduction in the cost of borrowing over the past month, favoring borrowers seeking shorter-term refinancing with predictable payments. Meanwhile, 30-Year Fixed Refinance rates hold steady at 5.625%, also unchanged week-over-week, but decreased by 12.5 basis points over the last 30 days, offering long-term stability with slightly higher yields.

Members considering refinancing should evaluate these lower rates against their loan terms and financial goals; those valuing payment consistency may benefit from fixed-rate options, while assessing whether potential savings outweigh refinancing costs remains critical. For details, visit https://www.dcu.org/borrow/mortgage-loans/mortgage-refinance-loans.html.

As of February 27, 2026, the 15 Year Fixed Conforming Refinance rate stands at a notably low 4.0%, marking a significant decline of 146 basis points compared to one week ago. This reduction in yield spreads lowers the overall cost of borrowing for members considering refinancing. Over the past 30 days, rates have remained stable, indicating consistent market conditions. For homeowners with existing loans, this presents an opportunity to reduce monthly payments or shorten loan terms through refinancing. Given the current environment, members prioritizing payment stability should evaluate fixed-rate refinance options carefully. Consider your mortgage strategy in light of these shifts; refinancing may be advantageous if potential savings outweigh associated costs. For details, visit https://eecu.org/personal-banking/mortgage-home-equity/products/refinance.

On February 27, 2026, FIRST COMMUNITY reports a slight decline in mortgage rates for refinance borrowers. The 15 Year Fixed Refinance rate stands at 4.75%, down 12.5 basis points from one week ago and also 12.5 basis points lower than 30 days prior. Similarly, the 30 Year Fixed Refinance rate is at 5.50%, reflecting the same 12.5 basis point reduction over both one week and one month. These decreases reduce the cost of borrowing for members seeking to refinance, potentially lowering monthly payments and overall interest expense. Members considering refinancing should evaluate fixed-rate options for stability amid recent yield spread tightening. For homeowners focused on long-term savings, these trends suggest a favorable environment to reassess mortgage terms and refinancing viability. For details, visit https://fccu.org/loans/home-loans/mortgage-refinances.

As of February 27, 2026, Langley Credit Union reports stable mortgage rates in key refinance products. The 30 Year Fixed Refinance rate remains at 4.99%, unchanged over the past week and month, representing a consistent cost of borrowing for long-term stability. The 15 Year Fixed Refinance rate holds steady at 5.25%, with no change from last week but a notable increase of 25 basis points compared to 30 days ago, indicating a slight rise in yield spreads for shorter-term refinancing.

Members considering refinancing should evaluate their financial goals carefully; those prioritizing lower monthly payments may favor the 30-year fixed option due to its lower rate. Conversely, borrowers aiming to reduce overall interest expense might assess if the increased cost on the 15-year fixed refinance still aligns with their payoff timeline. Maintaining awareness of these rate trends is essential for optimizing mortgage strategy.

Consider your refinancing options based on current rates and loan terms. For details, visit https://www.langleyfcu.org/mortgage-refinance.

As of February 27, 2026, Navy Federal Credit Union offers stable mortgage refinance rates for members. The 15-year Conventional Fixed Refinance rate remains steady at 4.75%, unchanged from both one week and one month ago, representing the lowest yield among current options. Meanwhile, the 30-year Homebuyers Choice Fixed Refinance rate holds at 6.25%, with no change over seven days but a modest decline of 12.5 basis points compared to 30 days prior.

For members prioritizing lower borrowing costs and shorter loan terms, the 15-year Conventional Fixed option provides consistent pricing and predictable payments. Those considering longer-term refinancing may benefit from recent downward movement in the 30-year Homebuyers Choice Fixed rate, which could reduce monthly obligations over time.

Evaluate your mortgage strategy based on these stable to slightly improving rates; consider fixed-rate products for cost certainty or refinancing if potential savings surpass associated fees. For details, visit https://www.navyfederal.org/loans-cards/mortgage/refinancing.html#:~:text=Refinance%20Rate%20Options,1.

As of February 27, 2026, 15-year fixed refinance rates have increased by 12.5 basis points, rising to 5.0% from 4.875% a week ago, while remaining stable compared to 30 days prior. This uptick slightly raises the cost of borrowing for members seeking shorter-term refinancing options. Conversely, the 30-year fixed refinance rate holds steady at 5.75%, showing no change over the past week and a notable decline of 25 basis points compared to one month ago, potentially reducing long-term monthly payments for those opting for extended terms.

Members considering refinancing should evaluate if the marginal increase in short-term rates justifies accelerated payoff plans, while longer-term borrowers may find current rates favorable for locking in stability. Assess your mortgage strategy carefully to balance interest costs against loan duration.

For details, visit https://www.tropicalfcu.com/compare-florida-mortgage-home-refinance-rates.

As of February 27, 2026, WINGS FINANCIAL reports stable mortgage rates for refinance loans. The 15-year fixed-rate loan holds the lowest rate at 4.875%, down by 12.5 basis points from last week and 37.5 basis points over the past month, signaling reduced borrowing costs for homeowners seeking quicker payoff schedules. Meanwhile, the 30-year fixed-rate loan remains steady at 5.5%, unchanged over seven days but down 37.5 basis points since late January, offering long-term financing with consistent yield spreads.

These shifts suggest a favorable environment for members considering refinancing to lower monthly payments or shorten loan terms. Borrowers prioritizing payment stability may evaluate fixed-rate options carefully; those focused on reducing overall interest expense might benefit from the recent declines in 15-year rates. Members should analyze their mortgage strategy based on current cost trends and long-term financial goals.

For details, visit https://www.wingscu.com/rates/mortgages-refinance#main.

Mortgage rates have seen a slight increase today. The 15-Year Fixed Rate Jumbo is now at 6.125%, up by 0.09% from yesterday, while the 30-Year Fixed Rate Jumbo has risen to 6.241%, reflecting a 0.13% increase in the same period. Over the past week, the 15-Year Fixed Rate Jumbo has also shown stability with a modest rise of 0.09%. In contrast, this product has decreased by 0.09% over the last 30 days and 0.28% over the past 60 days, indicating fluctuating costs for borrowers seeking long-term financing options. Borrowers should consider these trends when evaluating their mortgage options to optimize their cost of borrowing.

The current Breakeven Inflation Rates indicate moderate inflation expectations, with the 10-year rate at 2.280% and the 5-year rate at 2.430%. These rates correlate with mortgage rates, influencing borrowing costs for consumers. Recently, the Mortgage 30Yr Jumbo Average Rate saw the largest changes, increasing by 0.11 points over the past week but decreasing by 0.27 points over the last 60 days, reflecting market volatility. The lowest recorded mortgage rate is the 15-Year Average Rate at 5.440%. As inflation remains a concern, borrowers may benefit from locking in fixed rates now to hedge against potential future increases in borrowing costs.

The home loan landscape is always changing, but your need for reliable advice never goes out of style. At LendMesh, we keep our mortgage resources up to date with current rates, lender specials, and tips from real financial experts. We know that comparing banks and credit unions can seem overwhelming, so we’ve created a platform that breaks down your options and gives you actionable next steps. Whether you’re seeking a fixed-rate mortgage, a low down payment, or just honest answers, you’ll find it all here. Ready to make your next move? Explore the latest at our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . your shortcut to smarter homeownership.