30 Year Mortgage Rates Fall 3 Basis Points from Record Low

Average 30 year mortgage rates have fallen again this week and are only 3 basis points from the all-time record low of 3.31 percent set in 2012. The lowest 30 year mortgage rate with 0.10 points in our database for a home purchase are at 3.125 percent. The lowest 30 year rate available today for a refinance loan is even lower at 3.00 percent with 1.10 mortgage points.

Current average 30 year mortgage rates are at 3.34 percent, down 17 basis points from the prior week's average of 3.51 percent. There is a good chance 30 year rates will make a new all-time low sometime this week. 30 year mortgage rates on average are at 3.34 percent but right now there are lenders in our database quoting rates below the average. 

You can see a list of refinance rates in our state by searching our database at Refinance Rates Today.

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 #2326098

License: 60DBO-181478

4.783%

15-Year Fixed

4.625%

$4,409

Includes 0.614 points for $2,456

Lender Fees: $1,953

$3,086 /mo

Next >

NMLS #1689962

License: 02053435

4.873%

15-Year Fixed

4.750%

$3,280

Includes 0.820 points for $3,280

Lender Fees: $0

$3,112 /mo

Next >

NMLS #1025894

4.978%

15-Year Fixed

4.875%

$2,736

Includes 0.509 points for $2,036

Lender Fees: $700

$3,138 /mo

Next >

NMLS #3030

5.654%

15-Year Fixed

5.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,269 /mo

Next >

NMLS #2326098

License: 60DBO-181478

5.726%

30-Year Fixed

5.625%

$4,637

Includes 0.671 points for $2,684

Lender Fees: $1,953

$2,303 /mo

Next >

NMLS #1689962

License: 02053435

5.829%

30-Year Fixed

5.750%

$3,432

Includes 0.858 points for $3,432

Lender Fees: $0

$2,335 /mo

Next >

NMLS #401822

5.905%

15-Year Fixed

5.750%

$4,000

Includes 0.000 points for $0

Lender Fees: $4,000

$3,322 /mo

Next >

NMLS #401822

5.933%

30-Year Fixed

5.750%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$2,335 /mo

Next >

NMLS #1025894

5.956%

30-Year Fixed

5.875%

$3,504

Includes 0.701 points for $2,804

Lender Fees: $700

$2,367 /mo

Next >

NMLS #2326098

License: 60DBO-181478

6.258%

5-Year ARM

6.125%

$5,853

Includes 0.975 points for $3,900

Lender Fees: $1,953

$2,431 /mo

Next >

NMLS #3030

6.458%

30-Year Fixed

6.375%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,496 /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.

Average 15  year mortgage rates today are at 2.63 percent, down from the previous week's average 15 year rate of 2.69 percent. The lowest 15 year mortgage rate in our database for a purchase is at 2.375 percent with 1.10 points. The best 15 year refinance rate in our database is slightly lower at 2.25 percent with 1.10 points.

Today's mortgage rates on 30 year jumbo loans are slightly higher this week. The current average 30 year jumbo rate is at 4.33 percent, up from last week's average 30 year jumbo rate of 4.27 percent. The best 30 year jumbo rate in our database for a purchase is at 3.25 percent with 1.10 points. The lowest 30 year jumbo refinance rate is at 3.125 percent with 2 points.

15 year jumbo mortgage rates are currently averaging 3.84 percent, up from last week's average 15 year jumbo rate of 3.81 percent. The best 15 year jumbo mortgage rate available in our database for a home purchase or loan refinance is much lower, at 2.75 percent with 1.10 points.