Mortgage Rates Today, Thursday, February 19: Somehow Even Lower

NerdWallet

by Kate Wood

February 19, 2026

AI-Generated Deep Dive Summary

Mortgage rates have dropped again, reaching even lower levels than before. This significant decrease offers a fresh opportunity for homebuyers and those looking to refinance their mortgages. The decline in rates is attributed to ongoing favorable market conditions, which have kept borrowing costs exceptionally low. Experts suggest that these historically low rates may persist for some time, providing a window of opportunity for individuals to secure more affordable loans. The sustained drop in mortgage rates can be linked to several factors, including stable inflation levels and strong demand for housing. Additionally, central banks’ policies aimed at maintaining economic stability have contributed to this favorable environment. With these rates remaining low, potential homebuyers can benefit from lower monthly payments and increased purchasing power. Refinancing existing mortgages could also lead to significant savings for many borrowers. For those considering homeownership or refinancing, the current landscape presents a unique opportunity

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Originally published on NerdWallet on 2/19/2026