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Today's Mortgage Rates for
January, 2 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.819% 1.825 Points Lowest Rate, Higher Fees
5.875% 5.988% 0.939 Points Low Rate, Normal Fees
6.000% 6.067% 0.453 Points Competitive Rate, Less Fees
6.375% 6.400% -0.487 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.192% 1.797 Points Lowest Rate, Higher Fees
5.250% 5.442% 0.979 Points Low Rate, Normal Fees
5.500% 5.571% 0.195 Points Competitive Rate, Less Fees
5.875% 5.916% -0.662 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.411% 1.735 Points Lowest Rate, Higher Fees
5.750% 6.588% 0.963 Points Low Rate, Normal Fees
6.000% 6.750% 0.053 Points Competitive Rate, Less Fees
6.125% 6.871% -0.400 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.123% 1.735 Points Lowest Rate, Higher Fees
5.625% 6.474% 0.780 Points Low Rate, Normal Fees
6.000% 6.804% 0.480 Points Competitive Rate, Less Fees
6.500% 7.230% -0.576 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.751% 1.626 Points Lowest Rate, Higher Fees
5.500% 5.817% 0.978 Points Low Rate, Normal Fees
5.875% 6.141% 0.378 Points Competitive Rate, Less Fees
6.125% 6.358% -0.758 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.640% 1.660 Points Lowest Rate, Higher Fees
5.500% 6.000% 0.743 Points Low Rate, Normal Fees
5.875% 6.299% 0.243 Points Competitive Rate, Less Fees
6.125% 6.513% -0.777 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.941% 1.933 Points Lowest Rate, Higher Fees
6.125% 6.195% 0.627 Points Low Rate, Normal Fees
6.250% 6.282% 0.222 Points Competitive Rate, Less Fees
6.490% 6.501% -0.510 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.940% 1.900 Points Lowest Rate, Higher Fees
5.875% 6.033% 0.900 Points Low Rate, Normal Fees
6.125% 6.166% 0.150 Points Competitive Rate, Less Fees
6.490% 6.508% -0.446 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.109% 1.358 Points Lowest Rate, Higher Fees
5.625% 6.160% 0.582 Points Low Rate, Normal Fees
5.750% 6.256% 0.272 Points Competitive Rate, Less Fees
5.990% 6.472% -0.794 Points Lowest Total, Lender Credit

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