economy
January 27, 2026
What are today's mortgage interest rates: January 27, 2026?
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TL;DR
- Average mortgage rates for 30-year terms are 5.99% for purchases and 6.88% for refinances as of January 27, 2026.
- Average mortgage rates for 15-year terms are 5.37% for purchases and 5.67% for refinances.
- Three of the four primary mortgage rate terms are currently under 6%.
- Qualified borrowers with good credit and a substantial down payment may secure even better rates.
- Interest rate relief in the short term is unlikely as the Federal Reserve is not expected to cut rates this week.
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