Current Mortgage Interest Rates for January 13, 2026

As of January 13, 2026, the median mortgage interest rate for a 30-year term is 5.87%, while the 15-year term averages 5.25%. Mortgage refinance rates stand at 6.48% for 30 years and 5.48% for 15 years. Lower rates in 2025 may present new opportunities for buyers and owners, but economic developments could impact future rates. It’s advisable for both groups to monitor the mortgage rate climate closely for potential advantages.

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