Mortgage Rates Inch Down 2-12-2026

“Bolstered by strong economic growth, a solid labor market and mortgage rates at three-year lows, housing affordability continues to measurably improve. These factors have caught the attention of many prospective homebuyers, driving purchase application activity higher than a year ago,” said Sam Khater, Freddie Mac’s Chief Economist.

News Facts

• The 30-year FRM averaged 6.09% as of February 12, 2026, down from last week when it averaged 6.11%. A year ago at this time, the 30-year FRM averaged 6.87%.
• The 15-year FRM averaged 5.44%, down from last week when it averaged 5.50%. A year ago at this time, the 15-year FRM averaged 6.09%.

Houses that are priced, presented & marketed correctly are selling fast.

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