What are today's mortgage interest rates: February 11, 2026?

Today's owe involvement rates are a spot little than they had been successful caller days and weeks. Carlos Gawronski/fcafotodigital/Getty Images

Mortgage involvement rates person surely seen a batch of question implicit the past fewer years. At the commencement of the decade, qualified buyers could fastener successful rates comfortably nether 4%, but that changed successful the years that followed, acknowledgment to precocious ostentation and elevated involvement rates designed to chill it. But that dynamic reversed itself again successful 2025 arsenic the Federal Reserve issued aggregate complaint cuts and mortgage involvement rates subsequently declined to their lowest level since 2022.

At the commencement of 2026, however, question present has been limited. The Fed kept rates frozen astatine its January gathering and doesn't person different gathering connected the calendar again until March. New unemployment data released Wednesday is besides apt to bash small to determination rates up oregon down. Against this backdrop, then, buyers and owners looking to refinance whitethorn find present to beryllium a unchangeable clip to research their existent complaint options. With a small clip spent researching and buying for lenders, they whitethorn find that today's rates are already debased capable to warrant an application.

So, what are today's owe acquisition and refinance involvement rates, arsenic of February 11, 2026? That's what we'll interruption down below.

See however debased your existent owe complaint offers are here.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year owe is 5.87% arsenic of February 11, 2026, according to Zillow. That's a spot little than the 5.99% this complaint has been sitting astatine for overmuch of 2026 and could beryllium debased capable for homebuyers to instrumentality vantage of now. The mean owe involvement complaint connected a 15-year mortgage, meanwhile, is present 5.37%. 

With these being averages, however, buyers whitethorn beryllium capable to find rates betwixt fractional a percent constituent and a afloat percent constituent little by buying astir online now. And with online marketplaces listing rates, lenders and presumption each successful 1 place, it's arguably easier than ever to bash conscionable that.

Shop for owe rates and lenders online now.

What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe is 6.87% arsenic of February 11, 2026, according to Zillow, which is higher than it has been successful caller days and weeks. The mean owe refi complaint connected a 15-year owe is presently 5.74%, besides a spot higher than wherever it has sat successful caller weeks. Still, if you're a homeowner with a complaint implicit 7% present and don't caput perchance bigger payments successful speech for a quicker payoff timeline, the 15-year enactment could beryllium worthy investigating further now.

The bottommost line

The mean owe involvement complaint connected a 30-year owe is 5.87% present and 5.37% for a 15-year alternative. The mean owe refinance complaint connected a 30-year owe is present 6.87% and 5.74% for 15-year options. With 3 of these 4 comfortably under 6%, then, present could beryllium a astute clip to see your complaint options. Consider speaking with a lender who tin reply your questions and assistance you champion find your adjacent steps.

Edited by Angelica Leicht