Mortgage and Refinance Interest Rates Today, January 12, 2026: Look for Lenders Offering Sub-6% Rates

Are you considering buying a home or refinancing your current mortgage? If so, you're probably keeping a close eye on interest rates. The latest data suggests that lenders are offering sub-6% rates, which could be good news for borrowers.

According to industry experts, the average 30-year fixed mortgage rate has decreased by about 0.2% in recent weeks. This trend is likely due to a combination of factors, including low inflation and an improving economy.

So, what does this mean for you? If you're planning to apply for a mortgage or refinance your current loan, now might be the time to act. With rates at historic lows, you may be able to secure a better deal than you would have just a few months ago.

Top Lenders Offering Sub-6% Rates

• Bank of America: offering 30-year fixed mortgage rates as low as 5.9%
• Citi Bank: offering 30-year fixed mortgage rates as low as 5.85%
• Wells Fargo: offering 30-year fixed mortgage rates as low as 5.95%

Keep in mind that these rates are subject to change and may not be available to all borrowers. It's always a good idea to shop around and compare rates from multiple lenders before making a decision.

Tips for Securing the Best Rate

• Clean up your credit report: a good credit score can help you qualify for lower interest rates
• Shop around: don't be afraid to compare rates from multiple lenders
• Consider working with a mortgage broker: they may have access to exclusive deals and discounts

We hope this information helps you navigate the complex world of mortgage lending. Remember, securing the best rate is all about doing your research and being prepared.