{"id":62837,"date":"2026-01-02T16:05:39","date_gmt":"2026-01-02T16:05:39","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-january-2-2026\/"},"modified":"2026-01-02T16:05:39","modified_gmt":"2026-01-02T16:05:39","slug":"what-are-todays-mortgage-interest-rates-january-2-2026","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-january-2-2026\/","title":{"rendered":"What are today&#8217;s mortgage interest rates: January 2, 2026?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2026\/01\/02\/68be6894-7277-4a69-9a6e-5c74778415b5\/thumbnail\/620x349\/12996ec42d918f2b6eb29b1b6aeb7b37\/gettyimages-2226744631.jpg#\" alt=\"Housing and graph concept , with toy house \" height=\"349\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2026\/01\/02\/68be6894-7277-4a69-9a6e-5c74778415b5\/thumbnail\/620x349\/12996ec42d918f2b6eb29b1b6aeb7b37\/gettyimages-2226744631.jpg 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2026\/01\/02\/68be6894-7277-4a69-9a6e-5c74778415b5\/thumbnail\/1240x698\/5610b630d58c4b71a61ed45dd513ce32\/gettyimages-2226744631.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Mortgage rates are starting the year off right following the Fed&#8217;s easing campaign in late 2025.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Wong Yu Liang\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>After a turbulent few years for homebuyers, the housing market is entering 2026 with a very different tone, thanks in large part to the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-happens-to-mortgage-rates-now-that-the-fed-cut-rates-heres-whats-happened-previously\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Federal Reserve&#8217;s rate-cutting campaign<\/a><\/span> in late 2025, which fundamentally reshaped the mortgage landscape heading into this new year. Between September and December, the central bank delivered three consecutive rate reductions totaling 75 basis points, signaling a clear shift in monetary policy as inflation pressures finally began to ease. For homebuyers who spent the past two years watching from the sidelines, these policy moves have created a much more favorable borrowing environment.<\/p>\n<p>For example, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-mortgage-and-mortgage-refinance-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage rates<\/a><\/span> now sit substantially lower than the 7% or higher levels that dominated much of 2023 and early 2024, when elevated borrowing costs effectively froze many would-be buyers out of the market. The transformation to the borrowing landscape has been particularly dramatic in recent months, though, with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-happens-to-mortgage-rates-now-that-the-fed-cut-rates-heres-whats-happened-previously\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">mortgage rates declining steadily<\/a><\/span> through the fourth quarter of the year. While the journey here wasn&#8217;t entirely smooth \u2014 rates occasionally spiked when economic data came in hotter than expected or when bond markets reacted nervously to global events \u2014 the overall trend has pointed downward.<\/p>\n<p>The critical question now, though, is whether these improved conditions represent a genuine window of opportunity for homebuyers. <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-factors-drive-mortgage-loan-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Mortgage rates tend to change daily<\/a><\/span>, after all, and the numbers available right now may look different by next week. So, where do mortgage and refinance rates actually stand now?<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fwhat-are-todays-mortgage-interest-rates-january-2-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Find out how to lock in a low mortgage rate now<\/a>.<\/p>\n<h2><strong>What are today&#8217;s mortgage interest rates?<\/strong><\/h2>\n<p>As of January 2, 2026, the average mortgage interest rate on a 30-year fixed mortgage is 5.99%, while the average rate on a 15-year fixed mortgage is 5.38%, <a href=\"https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/\" target=\"_blank\" rel=\"nofollow noopener\">according to Zillow&#8217;s data<\/a>. Both averages continue to hold below the 6% mark, a threshold that, not long ago, seemed out of reach given the elevated rate environment of recent years.\u00a0<\/p>\n<p>For prospective buyers, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/mortgage-rate-options-under-6-to-know-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">this shift opens the door<\/a><\/span> to monthly payments that are materially lighter than they would have been at the same time last year. And because these are just national averages, <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-good-credit-score-determining-factors\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit-strong borrowers<\/a><\/span> who shop around may find slightly better offers, even if the differences are measured in basis points rather than full percentage points.<\/p>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-far-mortgage-rates-have-dropped-in-2025-how-much-further-they-can-fall\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Those small differences matter<\/a><\/span>. A tenth of a percent shaved off a 30-year term can translate into thousands of dollars saved over the life of a loan, and on a 15-year term, the impact can be even more pronounced. That&#8217;s why it&#8217;s worth comparing multiple lenders before committing, especially while rates remain in a more favorable band.<\/p>\n<p>It&#8217;s also worth keeping an eye on how mortgage rates respond in the days and weeks ahead. Markets have already priced in much of the Fed&#8217;s recent activity, but further improvements in inflation or softening labor data could support additional declines. Conversely, any surprise shifts in economic indicators could put upward pressure on rates again.\u00a0<\/p>\n<p>In short: Today&#8217;s averages are attractive relative to much of the past two years, but they won&#8217;t necessarily stay that way.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/jf9059fd46b8?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fwhat-are-todays-mortgage-interest-rates-january-2-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Compare your mortgage loan options online today<\/a>.<\/p>\n<h2><strong>What are today&#8217;s mortgage refinance rates?<\/strong><\/h2>\n<p>For homeowners considering mortgage loan refinancing, today&#8217;s averages paint a mixed picture. As of January 2, 2026, the average refinance rate for a 30-year mortgage loan is 6.67%, <a href=\"https:\/\/www.zillow.com\/refinance\/\" target=\"_blank\" rel=\"nofollow noopener\">Zillow data shows<\/a>, while the average 15-year mortgage loan refinance rate stands at 5.64%.<\/p>\n<p>The refinance landscape has been slower to improve than purchase rates, which is typical. Lenders tend to price refinance products more conservatively unless volume increases or competition intensifies. Still, for a subset of homeowners, particularly those carrying rates in the mid-7% range or higher, today&#8217;s averages may finally hit the thresholds many experts recommend before refinancing.<\/p>\n<p>For example, if you&#8217;re able to drop your rate <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-a-mortgage-refinance-half-a-percentage-point-lower-worth-it-experts-weigh-in\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">by at least 0.50% to 1%<\/a><\/span>, and you plan to stay in your home long enough to recoup closing costs, a mortgage loan refinance could make financial sense. The 15-year refinance option, in particular, may appeal to borrowers aiming to pay off their mortgage sooner while locking in a lower rate. Just keep in mind that shorter terms come with higher monthly payments, even if the long-term interest savings are substantial.<\/p>\n<p>As with purchase loans, the biggest variable is timing. Given how much mortgage rates have shifted over the past year, it&#8217;s smart to run the numbers now and again in the weeks ahead. The narrowing gap between today&#8217;s refi averages and purchase averages suggests that conditions may continue to improve, but there are no guarantees.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Mortgage rates are starting the year on a relatively encouraging note. Today&#8217;s average rate of 5.99% for a 30-year mortgage and 5.38% for a 15-year term represent meaningful progress from the highs of the past few years. And while refinance rates \u2014 6.67% for a 30-year refi and 5.64% for a 15-year option \u2014 remain slightly elevated, they may still offer worthwhile opportunities for some homeowners.<\/p>\n<p>Whether you&#8217;re planning to buy or refinance, this early-2026 window could present a chance to secure a more manageable rate. So, it could make sense to speak with a mortgage lender who can help you compare offers, assess your budget and determine whether today&#8217;s numbers align with your financial goals.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Matt  Richardson<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/what-are-todays-mortgage-interest-rates-january-2-2026\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates are starting the year off right following the Fed&#8217;s easing campaign in late 2025. Wong Yu Liang\/Getty Images<\/p>\n","protected":false},"author":1,"featured_media":62838,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-62837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are today&#039;s mortgage interest rates: January 2, 2026? - World News<\/title>\n<meta name=\"description\" content=\"Mortgage rates are starting 2026 on steadier footing, but today&amp;#039;s averages may still surprise many borrowers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/what-are-todays-mortgage-interest-rates-january-2-2026\/\" 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