Rates & Calculators
Mortgage Rates and Calculators
No matter what type of mortgage you’re looking for, we have a variety of helpful calculators to take some of the guesswork out of your decision to buy a home.
Mortgage Purchase Rates for January 31, 2026
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 5/1 ARM (30 year) | 5.790% | 6.417% |
| 3/1 ARM (30 year) | 5.640% | 6.514% |
| 5/1 ARM (15 year) | 5.590% | 6.129% |
| 3/1 ARM (15 year) | 5.590% | 6.359% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Low Cost Fixed Rate | 6.290% | 6.297% |
| 30 Year Low Cost Fixed Rate | 6.690% | 6.722% |
| 30 Year Low Cost Fixed Rate | 6.240% | 6.256% |
| 30 Year Low Cost Fixed Rate | 6.290% | 6.294% |
| 15 Year Low Cost Fixed Rate | 5.690% | 5.701% |
| 15 Year Low Cost Fixed Rate | 6.090% | 6.141% |
| 15 Year Low Cost Fixed Rate | 5.640% | 5.666% |
| 15 Year Low Cost Fixed Rate | 5.690% | 5.696% |
| 10 Year Low Cost Fixed Rate | 5.690% | 5.705% |
| 5/1 ARM (30 year) Low Cost | 6.090% | 6.494% |
| 5/1 ARM (30 year) Low Cost | 6.590% | 6.717% |
| 5/1 ARM (30 year) Low Cost | 6.140% | 6.522% |
| 5/1 ARM (30 year) Low Cost | 6.090% | 6.490% |
| 3/1 ARM (30 year) Low Cost | 5.940% | 6.547% |
| 3/1 ARM (30 year) Low Cost | 6.440% | 6.701% |
| 3/1 ARM (30 year) Low Cost | 5.990% | 6.569% |
| 3/1 ARM (30 year) Low Cost | 5.940% | 6.543% |
| 5/1 ARM (15 year) Low Cost | 5.890% | 6.241% |
| 5/1 ARM (15 year) Low Cost | 6.390% | 6.583% |
| 5/1 ARM (15 year) Low Cost | 5.940% | 6.285% |
| 5/1 ARM (15 year) Low Cost | 5.890% | 6.235% |
| 3/1 ARM (15 year) Low Cost | 5.890% | 6.411% |
| 3/1 ARM (15 year) Low Cost | 6.390% | 6.655% |
| 3/1 ARM (15 year) Low Cost | 5.940% | 6.446% |
| 3/1 ARM (15 year) Low Cost | 5.890% | 6.405% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 5.990% | 6.014% |
| 30 Year Fixed Rate | 5.890% | 6.002% |
| 30 Year Fixed Rate | 5.890% | 5.946% |
| 30 Year Fixed Rate | 6.025% | 6.039% |
| 15 Year Fixed Rate | 5.390% | 5.429% |
| 15 Year Fixed Rate | 5.290% | 5.474% |
| 15 Year Fixed Rate | 5.290% | 5.382% |
| 15 Year Fixed Rate | 5.490% | 5.513% |
| 10 Year Fixed Rate | 5.340% | 5.451% |
| 10 Year Fixed Rate | 5.340% | 5.373% |
| Product | Rate | APR |
|---|---|---|
| 30 Year Fixed Rate | 6.025% | 6.039% |
| 10 Year Fixed Rate | 5.340% | 5.373% |
| 15 Year Fixed Rate | 5.490% | 5.513% |
| 5/1 ARM (30 year) | 5.790% | 6.383% |
| 3/1 ARM (30 year) | 5.640% | 6.478% |
| 5/1 ARM (15 year) | 5.590% | 6.073% |
| 3/1 ARM (15 year) | 5.590% | 6.303% |
For more than 85 years, Third Federal has been a leading mortgage lender. Our mortgage rates are among the lowest. And now with our Lowest Rate Guarantee program, if you find a lower purchase mortgage rate, we’ll beat it or pay you $1,000.
Here’s how it works:
- Find a lower rate than ours? We’ll beat it or pay you $1,000.
- Simply provide us with the other lender’s advertisement, webpage, email, rate sheet, or other documentation of mortgage rates.
- In most cases, you’ll have a rate decision the same day.
