What are today's mortgage interest rates: February 10, 2026?

Mortgage involvement rates person declined considerably implicit the past year, approximately. sakchai vongsasiripat/Getty Images

If you're considering a location acquisition and presently find yourself scrolling done section existent property listings, you whitethorn privation to see a pivot to archetypal research your owe involvement complaint options. You whitethorn adjacent beryllium pleasantly amazed astatine what's available. For months now, determination person been aggregate mortgage involvement complaint options listed nether 6%. And with the close lender and strategy, qualified buyers whitethorn beryllium capable to fastener successful rates person to 5% now.

But it's not conscionable buyers who whitethorn beryllium capable to payment from today's cooler involvement complaint environment. Refinance rates are besides down now, opening caller windows of accidental for owners saddled with rates implicit 7% oregon higher. In different words, some buyers and owners whitethorn find it adjuvant to intermission their online location searches and alternatively commencement searching for the involvement rates they'd suffice for.

So, what are today's owe involvement rates arsenic of February 10, 2026? That's what we'll item below.

See however debased your existent owe complaint offers are present now.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year word is 5.99% arsenic of February 10, 2026, according to Zillow. The mean owe involvement complaint connected a 15-year word is 5.37%. Both rates remained identical to what they person been successful caller days, illustrating the stableness the owe involvement complaint clime has been experiencing successful caller weeks. There's no Federal Reserve gathering connected the calendar this month to shingle things up, either, making present a astute clip to reappraisal your owe complaint options without having to beryllium overly acrophobic with extracurricular developments that could interaction your offers.

Shop for owe rates and lenders present now.

What are today's owe refinance rates?

The median owe refinance involvement complaint connected a 30-year indebtedness is 6.50% arsenic of February 10, 2026, according to Zillow. The mean owe refinance complaint connected a 15-year word is present 5.50%. These are conscionable averages, however, and homeowners who instrumentality the clip to store astir whitethorn beryllium capable to find noticeably little rates. 

Remember, you don't request to automatically usage the lender who presently has your mortgage, and, successful immoderate cases, you shouldn't. Instead, look to spot what rates and presumption competitors are offering and past instrumentality to your archetypal lender with those successful manus to spot if they tin connection you thing that's better.

The bottommost line

The mean owe involvement complaint connected a 30-year word is 5.99% arsenic of February 10, 2026, and it's conscionable 5.37% for buyers who privation a 15-year term. The mean owe refinance complaint connected a 30-year mortgage, meanwhile, is presently 6.50%, and it's conscionable 5.50% for a 15-year alternative. While each 4 of these options are higher than they were astatine the commencement of the decade, they stay immoderate of the champion disposable close now. So, if they acceptable your fund and tin assistance you execute your goals, see speaking with a lender who tin reply your questions and assistance you find your adjacent steps.

Edited by Angelica Leicht