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Mortgage Refinance Rates Today

Here Are Today’s Mortgage Refinance Rates: January 16, 2026 – Rates Decrease

The rate on a 30-year fixed refinance dropped to 6.14% today, according to the Mortgage Research Center. The average rate on a 15-year mortgage refinance is 5.23%. On a 20-year mortgage refinance, the average rate is 6.

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What's a good mortgage refinance interest rate in 2026?

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Current mortgage rates for January 2026

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Current mortgage refinance rates: January 8, 2026 – rates dip

The rate on a 30-year fixed refinance slipped to 6.2% today, according to the Mortgage Research Center. Rates averaged 5.26% ...

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The refinance mistake people keep making when they chase a slightly better rate

Homeowners are pouring time and money into refinances that barely move the needle, chasing a tiny rate improvement while ...

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