Conforming Home Mortage Rates Mixed Freddie Mac: 30 Year Mortgage Rates at 4.32%, 15 Year Mortgage Rates at 3.75%

Mortgage rates were mixed in the most recent Primary Mortgage Market Survey released this morning by Freddie Mac. 30 year conforming fixed home mortgage rates tied a record low made last week and 15 year conforming fixed home mortgage rates made a new record low for the week ending September 30, 2010. 15 year mortgage interest rates are still at a record low set last week. Adjustable mortgage rates were mixed for the week ending September 30, 2010. 5 year adjustable home mortgage rates declined slightly and 1 year home adjustable home mortgage rates increased.  

Fixed conforming 30 year mortgage rates are averaging 4.32 percent for the week ending September 23, 2010, unchanged from the previous week’s average 30 year mortgage interest rate. Average mortgage discount points on 30 year home loans increased to 0.8 points, up from the prior week's average of 0.7 points.

Fixed 15 year mortgage rates are averaging 3.82 percent for the week ending September 23, 2010, unchanged from the prior week’s average 15 year home mortgage rate. Average mortgage discount points on 15 year home loans was 0.7 points, up from the previous week’s average of 0.6 points.

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

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The lenders whose rates and other terms appear on this chart are MRC'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 #2059741

4.764%

15-Year Fixed

4.625%

$3,708

Includes 0.927 points for $3,708

Lender Fees: $0

$3,086 /mo

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NMLS #2473786

4.779%

15-Year Fixed

4.625%

$4,119

Includes 0.756 points for $3,024

Lender Fees: $1,095

$3,086 /mo

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NMLS #2473786

4.972%

5-Year ARM

4.875%

$4,451

Includes 0.839 points for $3,356

Lender Fees: $1,095

$2,117 /mo

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NMLS #2059741

5.573%

30-Year Fixed

5.490%

$3,700

Includes 0.925 points for $3,700

Lender Fees: $0

$2,269 /mo

Next >

NMLS #2473786

5.587%

30-Year Fixed

5.490%

$4,295

Includes 0.800 points for $3,200

Lender Fees: $1,095

$2,269 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by 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.

5 year U.S. Treasury indexed adjustable mortgage rates averaged 3.52 percent for the week ending September 30, 2010, down the previous week’s average 5 year adjustable home mortgage rate of  3.54 percent. Average mortgage discount points on 5 year adjustable home mortgages was unchanged at 0.6 points.

1 year U.S Treasury indexed adjustable home mortgage loan rates averaged 3.48 percent for the week ending September 30, 2010, an increase from the prior week’s average 1 year adjustable home mortgage rate of 3.46 percent.  Average mortgage points on 1 year adjustable home loans was 0.7 points, unchanged from the prior week’s average.