February 28, 2026 | Lowest Adjustable ARM Rate Steady at 4.00% Today

On February 28, 2026, the 30-year Adjustable Rate Mortgage (7/1 ARM) for purchase loans remains steady at 4.75%, unchanged over the past week and month. This stability reflects a narrowing yield spread compared to rates from 30 to 180 days ago, which were as high as 5.5%. For members considering variable-rate financing, this consistent rate supports predictable initial payments for seven years before adjustment. First-time buyers and those planning to sell or refinance within that period may find this option cost-effective given current borrowing costs. However, borrowers seeking long-term certainty should evaluate fixed-rate alternatives if available elsewhere. Members are advised to analyze their financial horizon carefully and consider refinancing opportunities only if projected savings outweigh transaction expenses. For details, visit https://www.amfirst.org/loans/home/buy-a-home/.

As of February 28, 2026, the 30-year Adjustable-Rate Mortgage (ARM) for Purchase remains steady at 4.00%, unchanged from one week and one month ago. This stability in yield spreads suggests a consistent cost of borrowing for borrowers considering adjustable-rate products. For first-time buyers and investors, this rate offers predictability in initial payments, though adjustments beyond the fixed period should be evaluated carefully. Veterans and those refinancing are not impacted by ARM changes today, as no VA or refinance ARM rates are listed. Members prioritizing payment stability might consider fixed-rate options, whereas those comfortable with potential future fluctuations can benefit from current ARM pricing. Data-driven mortgage strategies should include monitoring rate trends and assessing whether refinancing could reduce long-term expenses if rates shift. For details, visit https://www.coastccu.org/personal/mortgage-loans/.

As of February 28, 2026, the 7-Year Adjustable Rate Mortgage for new purchase loans remains steady at 6.125%, unchanged over the past week and month. This stability in yield spreads indicates no recent shifts in market borrowing costs for this loan type. For members considering an adjustable-rate product, this rate consistency provides predictability in initial payments, though potential future adjustments warrant careful evaluation.

First-time buyers may find the lack of rate movement offers a reliable baseline for budgeting; however, those sensitive to interest rate fluctuations should assess if a fixed-rate alternative better suits their risk tolerance. Veterans or refinancing candidates should note that stable ARM rates suggest minimal immediate cost advantages for refinancing with this product.

Given these insights, members are encouraged to evaluate their mortgage strategies with attention to long-term cost implications and interest rate forecasts. Consider refinancing only when projected savings exceed associated fees, and explore fixed-rate options if payment stability is a priority. For details, visit https://www.eastrise.com/rates/mortgage/.

As of February 28, 2026, the 30-year Adjustable 5/5 ARM Conforming Purchase mortgage rate stands at 4.875%, marking a decline of 12.5 basis points from last week. This reduction in yield spreads lowers the cost of borrowing for prospective homebuyers choosing adjustable-rate options, potentially improving affordability during the initial fixed period. First-time buyers may find this rate movement beneficial for entry-level purchase financing, though they should remain aware of potential adjustments after five years. Veterans and refinancers are not directly impacted by this product’s pricing today. Given current trends, members should evaluate their mortgage strategy carefully; consider locking in rates if stability is a priority or assess refinancing only when projected savings exceed transaction costs. For details, visit https://nuvisionfederal.com/lending/mortgage/rates.

On February 28, 2026, the 5/1 ARM Adjustable Purchase loan remains steady at 6.143%, unchanged from one week ago. However, compared to 30 days prior, the rate has increased by 16.5 basis points, reflecting a modest rise in the cost of borrowing for adjustable-rate mortgages. This stability over the past week suggests limited short-term volatility in yield spreads for this product. For prospective homebuyers, particularly those planning to hold their mortgage beyond the initial fixed period, this incremental increase may affect long-term affordability. Members considering refinancing should evaluate whether locking into a fixed-rate option aligns better with their financial goals amid current market conditions. Monitoring these trends will help optimize mortgage strategies based on individual risk tolerance and market forecasts. For details, visit https://www.safefed.org/loans/mortgage.

As of February 28, 2026, mortgage rates remain steady for both the 15-Year Fixed Rate Jumbo and 30-Year Fixed Rate Jumbo, holding at 6.093% and 6.176%, respectively. Over the past week, the 15-Year Fixed Rate Jumbo saw a slight increase of 0.06 basis points, while the 30-Year Fixed Rate Jumbo remained unchanged. In the last month, the 30-Year Fixed Rate Jumbo experienced a decrease of 0.14 basis points, indicating a more favorable borrowing cost for long-term financing options. Borrowers should note these shifts in rates, as they can impact overall loan costs; however, current rates indicate a stable market environment for mortgage applications.

As of February 28, 2026, inflation expectations remain steady, with the Breakeven Inflation Rate 10Yr at 2.250%. Mortgage rates reflect this stability, with the Mortgage 30Yr Average Rates holding at 5.980%, while the Mortgage 15Yr Average Rates are slightly lower at 5.440%. Notably, the largest change over the past week occurred in the Mortgage 30Yr Jumbo Average Rates, which increased by 0.11 points. In contrast, the most significant decline was seen in the Breakeven Inflation Rate 5Yr, decreasing by 0.12 points over the last month. Borrowers should consider these trends when evaluating their mortgage options and anticipate how shifts in inflation expectations may influence borrowing costs moving forward.

Every homebuyer’s journey is unique, but the need for trustworthy information is universal. That’s why LendMesh brings together a wide network of banks and credit unions, offering you the best mortgage rates and personal guidance you won’t find anywhere else. Our mission is to simplify the complex, whether you’re curious about pre-qualification, interested in refinancing, or planning a long-term financial future. We combine human stories with financial know-how, making it easier for you to step into the home you love. Take your next step by visiting our Mortgage Loans page: https://www.lendmesh.com/loans/mortgage_loans . because at LendMesh, your story matters.