Mortgage and refinance interest rates today, January 26, 2026: A step higher from recent lows

Mortgage rates have stepped slightly higher from recent lows. The average 30-year fixed rate, according to data compiled from the lender marketplace of Zillow, is now 6.00%. The 15-year fixed rate currently sits at 5.50%. It could be a great time to buy a house or refinance your existing mortgage. Current mortgage rates Here are the current mortgage rates, according to the latest Zillow data: 30-year fixed: 6.00% 20-year fixed: 5.98% 15-year fixed: 5.50% 5/1 ARM: 6.15% 7/1 ARM: 6.35% 30-year VA: ...