Mortgage rates and refinance rates continue to head lower this week. Today's 30 year conforming mortgage rates and refinance rates are averaging 4.79 percent, down from last week’s average 30 year home loan rate and mortgage refinance rate of 4.99 percent. Conventional 30 year mortgage rates and refinance rates in Massachusetts are higher than the national average 30 year rate. Today's 30 year rates in MA are averaging 4.91 percent.

Today's 15 year mortgages rates and refinance mortgage rates are averaging 4.22 percent, down from last week when 15 year mortgage rates and refinance rates averaged 4.27 percent. Conventional 15 year mortgage rates and refinance rates in New Jersey are slightly higher than the national average interest rate. New Jersey 15 year refinancing rates and mortgage rates are averaging 4.23 percent.

30 year jumbo rates are averaging 5.41 percent, down from last week’s average jumbo rate of 5.60 percent. 30 year jumbo loan rates and jumbo refi rates in Georgia are higher than the national average jumbo rate. 30 year jumbo rates in Georgia are averaging 5.44 percent.

Loan Type

Purchase Refinance with Cash out Refinance

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

FICO Score

Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

Loan Amount

$

Points

Up to 0 points Up to 0.5 points Up to 1 points Up to 1.5 points Up to 2 points Up to 2.5 points Up to 3 points

LTV

%

Loan Term

 15-Year Fixed  20-Year Fixed  30-Year Fixed  5-Year ARM  7-Year ARM  10-Year ARM

Show Advertiser Disclosure

The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

Lender

APR / Rate

Fees / Points

Payment

NMLS #1835285

4.919%

15-Year Fixed

4.750%

$4,500

Includes 0.625 points for $2,500

Lender Fees: $2,000

$3,112 /mo

Next >

NMLS #2562839

4.942%

15-Year Fixed

4.750%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$3,112 /mo

Next >

NMLS #757416

5.226%

15-Year Fixed

5.125%

$2,672

Includes 0.668 points for $2,672

Lender Fees: $0

$3,190 /mo

Next >

NMLS #2059741

5.231%

15-Year Fixed

5.125%

$2,792

Includes 0.698 points for $2,792

Lender Fees: $0

$3,190 /mo

Next >

NMLS #1312186

5.365%

15-Year Fixed

5.250%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,216 /mo

Next >

NMLS #6606

5.382%

15-Year Fixed

5.240%

$3,732

Includes 0.933 points for $3,732

Lender Fees: $0

$3,214 /mo

Next >

NMLS #1025894

5.503%

15-Year Fixed

5.375%

$3,348

Includes 0.662 points for $2,648

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1835285

5.625%

5-Year ARM

5.500%

$5,524

Includes 0.881 points for $3,524

Lender Fees: $2,000

$2,272 /mo

Next >

NMLS #2562839

5.739%

5-Year ARM

5.625%

$4,997

Includes 0.968 points for $3,872

Lender Fees: $1,125

$2,303 /mo

Next >

NMLS #1312186

5.831%

5-Year ARM

5.750%

$3,532

Includes 0.883 points for $3,532

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1835285

5.842%

30-Year Fixed

5.750%

$4,000

Includes 0.500 points for $2,000

Lender Fees: $2,000

$2,335 /mo

Next >

NMLS #2562839

5.856%

30-Year Fixed

5.750%

$4,625

Includes 0.875 points for $3,500

Lender Fees: $1,125

$2,335 /mo

Next >

NMLS #757416

5.961%

30-Year Fixed

5.875%

$3,724

Includes 0.931 points for $3,724

Lender Fees: $0

$2,367 /mo

Next >

NMLS #2059741

6.034%

30-Year Fixed

5.990%

$1,876

Includes 0.469 points for $1,876

Lender Fees: $0

$2,396 /mo

Next >

NMLS #1312186

6.093%

30-Year Fixed

6.000%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,399 /mo

Next >

NMLS #1025894

6.200%

30-Year Fixed

6.125%

$3,196

Includes 0.624 points for $2,496

Lender Fees: $700

$2,431 /mo

Next >

NMLS #6606

6.343%

30-Year Fixed

6.250%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$2,463 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

15 year jumbo rates are averaging 4.73 percent, down from the prior week’s average jumbo mortgage loan rate of 4.82 percent. 15 year jumbo rates in Minnesota are lower than the national average. Current 15 year jumbo rates in MN are averaging 4.71 percent.

Mortgage Rates & Refinance Rates

Conforming Adjustable Mortgage Rates and Conforming Adjustable Refinance Mortgage Rates

The current refinancing rate and mortgage rate on 1 year adjustable rates are averaging 3.02 percent, up from last week’s average 1 year adjustable home mortgage refi rate and loan rate of 2.91 percent.

3 year adjustable mortgage refinance rates and adjustable mortgage rates are averaging 3.34 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.52 percent.

Current refinance rates and mortgage rates on 5 year adjustable mortgages are averaging 3.36 percent, down from the prior week’s average rate of 3.46 percent.

Current refinance mortgage rates and mortgage rates on 7 year adjustable home loans are averaging 3.83 percent, down from the previous week’s average 7 year loan rate of 4.05 percent.

10 year adjustable mortgage loan rates are averaging 4.43 percent this week, down from last week’s average 10 year adjustable rate of 4.47 percent. Current mortgage refinance rates on 10 year home loans are also averaging 4.43 percent.

Adjustable Jumbo Refinance Rates and Jumbo Rates

1 year jumbo adjustable loan rates are averaging 3.41 percent, down from the prior week’s average 1 year jumbo adjustable loan interest rate of 3.50 percent. Refinance rates on 1 year jumbo loans are also averaging 3.50 percent.

3 year adjustable jumbo rates are averaging higher at 4.57 percent, down from last week’s average 3 year jumbo adjustable rate of 4.64 percent. Today’s refinance interest rates on 3 year jumbo loans are also lower, averaging 4.57 percent.

5 year adjustable jumbo interest rates today are averaging 3.81 percent, a decrease from last week’s average jumbo adjustable rate of 4.01 percent. Today’s refinancing mortgage interest rates are also averaging 3,81 percent.

7 year jumbo adjustable loan rates today are averaging 4.52 percent, down from last week’s average 7 year adjustable home loan rate of 4.78 percent. 7 year jumbo refinance loan rates are also lower at 4.52 percent.

10 year jumbo loan rates are averaging 5.26 percent, down from the prior week’s average 10 year jumbo home loan rate of 5.33 percent. 10 year jumbo refinance interest rates are also lower, averaging 5.26 percent.

Conforming Interest Only Adjustable Rates and Adjustable Interest Only Refinance Rates

3 year interest only adjustable mortgage loan rates are averaging 3.53 percent, down from last week’s average interest only mortgage loan rate of 3.61 percent. 3 year interest only adjustable refinance mortgage rates are also averaging 3.53 percent.

5 year interest only adjustable loan rates are averaging 3.28 percent, down from last week’s average five year interest only mortgage loan rate of 3.69 percent. Current 5 year interest only adjustable refinance mortgage loan rates are also averaging 3.28 percent.

7 year interest only adjustable mortgage loan rates are averaging 4.05 percent, down from last week’s average 7 year interest-only mortgage interest rate of 4.18 percent. 7 year adjustable refi loan rates are averaging 4.05 percent.

Jumbo Mortgage Refinance Rates and Jumbo Mortgage Interest Rates on Interest Only Adjustable Jumbo Loans

3 year jumbo interest only adjustable loan rates are averaging 4.90 percent, up from last week’s average jumbo adjustable interest only rate of 4.83 percent. 3 year interest only adjustable jumbo refi rates are also higher averaging 4.90 percent.

5 year adjustable jumbo interest only rates are averaging 4.28 percent, down from last week’s average IO home mortgage interest rate of 4.58 percent. 5 year jumbo adjustable IO loan rates are also lower, averaging at 4.28 percent.

7 year jumbo interest only adjustable rates are averaging 4.78 percent, down from last week’s average jumbo 7 year home loan rate of 5.08 percent. Current 7 year jumbo adjustable interest-only rates are also averaging 4.78  percent.

Current Home Equity Loan Rates

10 year home equity loan rates are averaging 6.67 percent, down from last week's average home equity loan rate of 6.71 percent.

15 year home equity rates are averaging 7.02 percent, down from the prior week’s average home equity loan rate of 7.09 percent.

Today’s Home Equity Line of Credit Rates (HELOC)

Home equity line of credit rates are averaging 5.17 percent, unchanged from last week’s average rate HELOC rate of 5.17 percent.