Mortgage and refinance interest rates today, January 3, 2026: Almost exactly where they were one week ago

Mortgage rates today are in familiar territory: almost exactly where they were one week ago. According to Zillow, the average 30-year fixed mortgage rate is 6.01%, and the 15-year fixed rate is just a little lower than last week, at 5.44%. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.01% 20-year fixed: 5.95% 15-year fixed: 5.44% 5/1 ARM: 6.23% 7/1 ARM: 6.51% 30-year VA: 5.52% 15-year VA: 5.14% 5/1 VA: 5.22% Remember, these ...