First Time Home Buyers Mortgage Rates for Monday January 26, 2026, in a Minute

Hello and welcome to Houston First Time Home Buyers Edition. For today, Monday, Jaunary 26, 2026, the national average:

• 30-year fixed mortgage rate trends is    6.20%
• 30-year fixed FHA loan rate is              5.92%
• 30- year fixed VA loan rate is               6.38%

Meanwhile, the national average adjustable mortgage loan rates for:

• 5/1 ARM is    5.48%          
• 7/1 ARM is    5.80%           
• 10/1 ARM is  6.13%
• 3/1 ARM is    5.38%

Keep in mind, mortgage rates can change daily, even hourly, based on market conditions. Don't forget to shop around for your mortgage loan before committing to one. In addition, the rates you see, may not be the rate you get. Also remember, there are several factors that goes into determining your rate. These factors include but not limited to:

1. Credit score
2. Loan type
3. Term
4. Property location
5. Down payment amount
6. Loan amount and rate type

FYI: interest rate represent the cost of borrowing the principle. It does not include any fees or additional cost. The  Annual Percentage Rate (APR) represent not only the cost of borrowing the principle, but it also includes other fees as well. For this reason, interest rates are usually advertise at a lower rate, while the APR, is typically higher.

As always, thank you so much for stopping by, and remember, if you are thinking of purchasing your new home, please give us a call. We are here to help. We have been helping first time home buyers since 2011. Until next time...Diana

Source: Bankrate

Astor & Eaton Realty
Diana Walton
First Time Home Buyer Specialist
713.208.8013
 Email 
www.astoreaton.com