Mortgage and refinance interest rates today, January 11, 2026: Dipping below 6%

National average mortgage rates are lower this weekend, influenced by President Trump's proposed initiatives to boost affordable housing. According to Zillow, the average 30-year fixed mortgage rate is 5.91%, and the 15-year fixed rate is 5.36%. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 5.91% 20-year fixed: 5.83% 15-year fixed: 5.36% 5/1 ARM: 6.17% 7/1 ARM: 6.36% 30-year VA: 5.57% 15-year VA: 5.21% 5/1 VA: 5.36% Remember, ...