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

It's a great time to be in the market for a new mortgage or refinance - interest rates have been trending downward in recent weeks, making it more affordable than ever to take out a loan. If you're planning on buying or refinancing a home this year, here are some key things to know about current mortgage and refinance interest rates.

The average 30-year fixed mortgage rate has dipped below 6% for the first time in months, with some lenders offering even lower rates. According to industry analysts, there's a significant gap between the advertised rates and the actual interest rates being offered by lenders. If you're shopping around for a loan, be sure to check the fine print - you might find a better deal than you expected.

So what does this mean for homebuyers? For one thing, it means that your monthly payments will be lower if you take out a mortgage at today's rates. This could also give you more room in your budget to tackle renovations or other projects around the house. Of course, interest rates can fluctuate rapidly, so it's always a good idea to stay informed and adjust your plans accordingly.

Here are some general trends to keep an eye on:

• 30-year fixed mortgage rates: Currently averaging just under 5.9%
• 15-year fixed mortgage rates: Around 4.8% - a full percentage point lower than last year
• Jumbo loans: Some lenders are offering rates as low as 5.3% for these larger mortgages
• ARMs (Adjustable Rate Mortgages): These rates can be more volatile, but some lenders are offering very competitive rates around 4.5%

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Remember to do your research and compare rates from multiple lenders before making a decision. And don't hesitate to reach out if you have any questions or need further guidance - we're here to help.