Looks like interest rates are good for this week.

Here is what one of my letter has for rates today.

Happy Friday once again!

U.S. 10-year Treasure yields remained in the 4.20% range this week. At its January 28, 2026 meeting, the Federal Reserve held its rate steady, noting inflation is still above target and the jobs market remains fairly strong. Sticky inflation and solid employment data have limited both bond yield declines and expectations for aggressive rate cuts, which in turn keeps borrowing costs high. With this information the mortgage rates were flat compared to last week with only slight improvements in pricing. Here is what I’m seeing:

30 Year Fixed FHA

5.50% (6.298% APR)

Discount points to bank $2,833

$600,000 Purchase Price

$589,132 Loan Amount

3.5% Down Payment $21,000

720+ credit scores, single family primary home purchase, 45 day lock period

30 Year Fixed VA

5.625% (5.884% APR)

Discount points to bank $1,667

$600,000 Purchase Price

$614,400 Loan Amount with financed VA funding fee

First time VA use

Zero down payment, 720+ credit scores, single family primary home purchase, 45 day lock period

30 Year Fixed Conventional

5.99% (6.221% APR)

Discount points to bank $2,513

$600,000 Purchase Price

$570,000 Loan Amount

5% Down Payment $30,000

780+ credit score, single family primary home purchase, 45 day lock

Interest rates are not locked and are subject to change due to market changes.

Regulated by the Department of Real Estate.