Mortgage and refinance interest rates today, January 7, 2026: A long stretch of stability

Mortgage rates have sustained a long stretch of stability. According to Zillow, the average 30-year fixed rate is 6.01%, down three basis points. Meanwhile, the 15-year fixed home loan rate is up four basis points to 5.45%. These small moves in either direction have been the norm for many weeks. Today's mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.01% 20-year fixed: 5.97% 15-year fixed: 5.45% 5/1 ARM: 6.08% 7/1 ARM: 6.04% 30-year VA: 5. ...