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Mortgage and refinance interest rates today, January 12, 2026: Look for lenders offering sub-6% rates

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Mortgage rates are averaging just below 6%, and some lenders are offering home loans in the mid-5% range. According to Zillow data, the 30-year fixed mortgage rate is 5.91%, and the 15-year fixed rate is 5.36%. Current mortgage rates Here are the current mortgage rates, according to the latest…

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