What are today's mortgage interest rates: February 13, 2026?

2 days ago 7

The system is changing again. A study released this week showed unemployment dropping. And a caller study released Friday showed inflation declining too, offering immoderate much-needed alleviation for millions of Americans. Mortgage involvement rates, meanwhile, are present adjacent their lowest level since 2022, with buyers and owners capable to unafraid offers comfortably nether 6% now. If they instrumentality the clip to store astir for lenders, they whitethorn adjacent beryllium capable to find rates person to 5%.

Still, mortgage acquisition and refinance rates alteration daily, truthful what's readily disposable close present could easy alteration adjacent week. At the aforesaid time, with no Federal Reserve gathering connected the calendar again until March and expectations of a complaint chopped determination debased currently, present could beryllium a comparatively unchangeable clip for some buyers and owners to research their options. They whitethorn really beryllium pleasantly amazed with however competitory today's rates are.

But what are today's owe involvement rates, specifically, arsenic of February 13, 2026? That's what we'll item 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 13, 2026, according to Zillow. The mean owe involvement complaint connected a 15-year owe is present 5.25%. Both rates are little than they person been for overmuch of 2026 truthful far, opening caller windows of accidental for buyers who successful caller years would person different been offered rates successful the 6% to precocious 7% range.

With these averages already overmuch better, then, and the imaginable for buyers to adhd mortgage points to fastener successful rates that are adjacent lower, present could beryllium the astute clip to commencement buying astir again. Just marque definite that your recognition score is arsenic precocious arsenic imaginable earlier you do, arsenic the champion rates and presumption volition inactive beryllium reserved for those buyers with the cleanest recognition backgrounds.

Start buying for owe rates and lenders here.

What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year owe is 6.46% arsenic of February 13, 2026, according to Zillow. The median refi complaint connected a 15-year owe is 5.59%. So determination whitethorn beryllium options present again for owners with rates implicit 7% and others who are looking to expedite their payoff timeline by refinancing into a 15-year word now.

While the accepted contented is that refinancing should beryllium held disconnected until a rate that's 1 afloat percent constituent lower than the existent 1 is available, immoderate owners whitethorn recognize important savings with a complaint that's adjacent half a percent constituent lower than their existing one. So crunch the numbers and spot what class you autumn into, arsenic today's refinance rates whitethorn beryllium worthy a 2nd look.

The bottommost line

The mean owe involvement complaint connected a 30-year word is present 5.87%, and its 5.25% for a 15-year option. The median refinance complaint connected a 30-year word is present 6.46% and 5.59% for 15-year alternatives. In different words, determination are plentiful ways successful which to unafraid a fixed owe complaint successful the 5% scope close now. And portion that whitethorn not beryllium arsenic charismatic arsenic what was offered present successful years past, it's considerably improved from what borrowers could person secured a twelvemonth oregon 2 ago. Take the time, then, to talk with a lender who tin amended item your existent options and reply immoderate questions you whitethorn person amid these caller complaint changes.

Edited by Angelica Leicht

Read Entire Article