The mortgage interest rate climate has changed. Here's what a good rate is considered to be at the start of 2026.

The president's latest affordability push sent 15- and 30-year mortgage rates tumbling. But experts say the long-term impact may be limited.

Discover how banks set loan interest rates, from Federal Reserve policies to market trends and borrower creditworthiness, for better financial decisions.

The average mortgage interest rate on a 30-year term is 5.87%, according to Zillow, as of January 9, 2026. That's lower than the 5.99% rates had been consistently sitting at in recent weeks and could open up new, more affordable opportunities for buyers right now.

The highest money market account rate available today is 4.22% Changes from the Fed or your bank can quickly change money market rates Online banks typically offer the most competitive yields on the market Current Money Market Rates As of today,

Discover how open market operations affect interest rates and the Federal Reserve's role in economic fluctuations through key strategies like buying and selling securities.

WASHINGTON (AP) — The Federal Reserve is expected to cut short-term rates in 2026, with its key interest rate settling at 3.4% towards the end of President Donald Trump 's term in office in 2028, according to a new report released Thursday by the nonpartisan Congressional Budget Office.