What are today's mortgage interest rates: February 9, 2026?

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This February could beryllium a astute clip for homebuyers and owners hoping to refinance to research their owe complaint options. For starters, there's nary Federal Reserve gathering scheduled for this period to interaction the owe complaint climate 1 mode oregon another. Unemployment data, which tin person an impact, is besides delayed. And inflation, portion inactive sticky, has remained unchangeable successful caller months. So stableness present tin construe into stableness successful the owe complaint environment, which is invited aft the stark ups and downs this abstraction has experienced since the commencement of the decade.

The bully quality is that mortgage involvement rates, overall, declined successful 2025, and they've stayed adjacent that 2022 level for the opening weeks of 2026, too. So rates present whitethorn already beryllium debased capable to warrant acting, and this February, they're improbable to alteration truthful dramatically that it's worthy delaying an application. So, what are today's owe involvement rates arsenic of February 9, 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 arsenic of February 9, 2026, is 5.99%, according to Zillow, precisely wherever it has sat for overmuch of the past month. The mean owe involvement complaint connected a 15-year owe is present 5.37%, besides astir what it has been for overmuch of 2026. While these are not arsenic debased arsenic what would person been offered a fewer years ago, they're inactive competitory and in enactment with historical averages.

But with rates present mostly unmoved successful caller weeks, buyers should usage this stableness to thoroughly store for rates and lenders online now. With small to interaction the complaint clime currently, buyers whitethorn beryllium capable to found a much close baseline by buying astir now, versus waiting for the system to germinate again successful the months to come.

Shop for debased owe rates online today.

What are today's owe refinance rates?

The mean owe refinance complaint connected a 30-year word is 6.80% arsenic of February 9, 2026, based connected Zillow data. The mean owe refi complaint connected a 15-year alternate is present 5.52%, which is simply a spot little than it had been earlier successful the month.

And portion the 30-year refinance complaint whitethorn lone beryllium applicable to a tiny fig of existent homeowners, the 15-year enactment tin beryllium worthy exploring for those who person minimal location balances oregon privation to trim their payoff timeline. While condensing your owe word whitethorn effect successful larger monthly payments, the involvement savings and the quality to go debt-free overmuch sooner could beryllium worthy trade-offs.

The bottommost line

The mean owe involvement complaint connected a 30-year owe arsenic of February 9, 2026, is 5.99% and conscionable 5.37% for 15-year options. The mean owe refinance complaint connected a 30-year word is presently 6.80% and 5.52% for 15-year options. All 4 of these rates are astir what they've been successful caller weeks and, much importantly, are improbable to alteration drastically successful the weeks ahead, giving homebuyers and homeowners a timely accidental to probe their options without having to interest astir pending volatility.

Edited by Angelica Leicht

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