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Mortgage Refinance Rates Today

Mortgage Refinance Rates Today: January 15, 2026 – Rates Rise

The rate on a 30-year fixed refinance climbed to 6.18% today, according to the Mortgage Research Center. Rates averaged 5.2% for a 15-year financed mortgage and 5.9% for a 20-year financed mortgage.

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

Rates have dropped to the lowest point in years — here are the best lenders for refinancing your mortgage

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Should I refinance my mortgage?

Refinancing could make sense if you want to lower your interest rate, get rid of mortgage insurance or change loan terms ...

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Yes, you can refinance a home equity loan — and in some cases, you should

Refinancing your home equity loan can cut thousands in interest — especially if you're stuck with rates from 2023's spike.

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