economy
January 2, 2026
What are today's mortgage interest rates: January 2, 2026?
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms.
TL;DR
- Mortgage rates are lower in early 2026 compared to recent years, following Fed rate cuts.
- The average 30-year fixed mortgage rate is 5.99% as of January 2, 2026.
- The average 15-year fixed mortgage rate is 5.38% as of January 2, 2026.
- Refinance rates for a 30-year mortgage are 6.67%, and for a 15-year mortgage are 5.64%.
- These lower rates present a potential window of opportunity for homebuyers and some refinancers.
Continue reading the original article