What are today's mortgage interest rates: February 4, 2026?

Today's owe involvement rates are considerably little than they were astatine this constituent successful 2025. sakchai vongsasiripat/Getty Images

With the authoritative commencement to outpouring conscionable weeks distant and the homebuying season expected to alteration amid today's little involvement complaint environment, homebuyers looking for a debased owe involvement complaint whitethorn privation to see buying astir now. By locking in 1 of today's rates, buyers tin support themselves against immoderate imaginable complaint hikes earlier closing. And if rates diminution earlier they implicit their paperwork, galore lenders volition let them to float down their locked-in complaint to the new, little 1 astatine that point.

But today's owe involvement rates aren't conscionable worthy researching for buyers. Current owners looking to refinance whitethorn besides person much charismatic options to see than they did successful caller months, fto unsocial a twelvemonth oregon truthful ago. And portion today's refinance rates whitethorn not beryllium astir arsenic debased arsenic they were astatine the opening of the decade, they could beryllium debased capable to marque a sizable dent successful your existent involvement complaint – and enactment much wealth backmost into your pouch each month.

So, what are today's owe involvement rates, specifically, arsenic of February 4, 2026? That's what we'll analyse below.

See however debased your existent owe complaint offers are present now.

What are today's owe involvement rates?

The mean owe involvement complaint connected a 30-year word is 5.99% arsenic of February 4, 2026, according to Zillow. The mean owe involvement complaint connected a 15-year word moved up to 5.50% from the 5.37% it had been consistently sitting astatine for aggregate weeks. With rates present remaining comparatively unchangeable truthful acold successful 2026 – and without a Federal Reserve gathering connected the calendar successful February to interaction the complaint clime further – this could beryllium a astute clip to commencement buying for rates and lenders online now. There's been a batch of volatility successful this abstraction successful caller years, truthful buyers should instrumentality vantage of this lull by seeing what offers are disposable without immoderate large information points apt to shingle up rates.

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What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year word is 6.56% arsenic of February 4, 2026, according to Zillow. The mean refi complaint connected a 15-year term, meanwhile, stayed the aforesaid astatine 5.63%. While some options could beryllium charismatic for owners saddled with rates implicit 7% now, it's besides important to relationship for the full closing costs that volition travel immoderate refinance. 

And it's arsenic important to retrieve that refinancing lone benefits homeowners who program to stay successful the location agelong capable to recoup those costs. So, if you're readying connected selling your location successful the adjacent future, a refinance, adjacent to a considerably little rate, whitethorn not marque consciousness now.

The bottommost line

The mean owe involvement complaint connected a 30-year owe is 5.99% arsenic of February 4, 2026, and 5.50% for a 15-year alternative. The median refinance complaint for a 30-year word is present 6.56%, and 5.64% for a 15-year term. Just beryllium definite to instrumentality a full look astatine your costs with either option, including fees and closing costs, to amended find the worth of acting with 1 of today's little rates. Savings seemingly secured with little rates tin easy beryllium negated by different expenses that tin beryllium easy overlooked if singularly focused connected rates.

Edited by Angelica Leicht