Current Fixed Home Mortgage Rates Lower: 30 Year Conforming Mortgage Rates at 4.30%, 30 Year Jumbo Mortgage Rates at 4.76%

Fixed long term mortgage rates are lower this week over last week and shorter term adjustable mortgage rates are mostly higher. The current average fixed conforming 30 year mortgage rate is 4.30 percent which is just above a record low of 4.26 percent set in late September. 30 year mortgage rates in Arkansas are higher averaging 4.32 percent.

Current home mortgage rates will stay at these levels until the end of 2010 but you can expect higher rates in the coming year. 15 year home mortgage rates today are averaging 4.76 percent which is also just above an all-time low set in September. 15 year mortgage interest rates in Iowa are higher averaging 3.78 percent.

30 year jumbo home mortgage rates are averaging 4.76 percent, which is only 46 basis points above 30 year conforming mortgage rates. During the financial crisis jumbo mortgage rates were 150 to 200 basis points higher on average. 30 year jumbo rates in the state of Kansas are slightly lower averaging 4.75 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

4.938%

15-Year Fixed

4.750%

$5,000

Includes 0.750 points for $3,000

Lender Fees: $2,000

$3,112 /mo

Next >

NMLS #1283930

License: 01970483

5.445%

15-Year Fixed

5.250%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$3,216 /mo

Next >

NMLS #1838

5.455%

15-Year Fixed

5.250%

$5,395

Includes 0.974 points for $3,896

Lender Fees: $1,499

$3,216 /mo

Next >

NMLS #1025894

5.548%

15-Year Fixed

5.375%

$4,512

Includes 0.953 points for $3,812

Lender Fees: $700

$3,242 /mo

Next >

NMLS #1835285

5.887%

30-Year Fixed

5.750%

$6,000

Includes 1.000 points for $4,000

Lender Fees: $2,000

$2,335 /mo

Next >

NMLS #401822

6.039%

15-Year Fixed

5.750%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,322 /mo

Next >

NMLS #3030

6.146%

15-Year Fixed

5.990%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,374 /mo

Next >

NMLS #1838

6.231%

30-Year Fixed

6.125%

$4,535

Includes 0.759 points for $3,036

Lender Fees: $1,499

$2,431 /mo

Next >

NMLS #401822

6.289%

30-Year Fixed

6.125%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$2,431 /mo

Next >

NMLS #1283930

License: 01970483

6.347%

30-Year Fixed

6.250%

$4,125

Includes 0.750 points for $3,000

Lender Fees: $1,125

$2,463 /mo

Next >

NMLS #1025894

6.477%

30-Year Fixed

6.375%

$4,284

Includes 0.896 points for $3,584

Lender Fees: $700

$2,496 /mo

Next >

NMLS #1835285

6.637%

5-Year ARM

6.500%

$5,700

Includes 0.925 points for $3,700

Lender Fees: $2,000

$2,529 /mo

Next >

NMLS #3030

6.949%

30-Year Fixed

6.875%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,628 /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 mortgage rates are averaging 4.24 percent. The spread between 15 year conforming home mortgage rates and 15 year jumbo rates is slightly higher at 49 basis points. Current 15 year Massachusetts jumbo mortgage loan rates are lower than the national average. Current 15 year jumbo MA mortgage rates are averaging 4.32 percent.

Mortgage Rates

Conforming Mortgage Loan Interest Rates

Current 30 year mortgage rates are averaging 4.30 percent, down from last week’s average 30 year home mortgage rate of 4.32 percent. 30 year refinance mortgage rates today are also lower, averaging 4.30 percent.

Today's 15 year mortgage loan rates are averaging 3.75 percent, down from the previous week’s average 15 year mortgage interest rate of 3.82 percent. 15 year mortgage refinance loan rates are also lower, averaging 3.75 percent.

Jumbo Mortgage Loan Rates Today

30 year jumbo mortgage loan rates today are averaging 4.76 percent, down from the previous week’s average 30 year jumbo mortgage interest rate of 4.88 percent. 30 year jumbo loan refinance rates today are lower averaging in at 4.76 percent.

15 year jumbo mortgage interest rates are averaging lower at 4.24 percent, a decline from the prior week’s average jumbo mortgage loan rate of 4.32 percent. 15 year jumbo mortgage refinance rates today are also lower at 4.24 percent.

Today's Conforming Adjustable Mortgage Interest Rates

1 year adjustable mortgage rates today are averaging 3.14 percent, a decline from last week’s average 1 year adjustable home mortgage loan rate of 3.15 percent. Current 1 year conforming adjustable refinance loan mortgage rates are also lower averaging 3.14 percent.

3 year adjustable mortgage rates today are averaging 3.48 percent, an increase from last week’s average 3 year adjustable mortgage loan rate of 3.39 percent. Today's 3 year mortgage refinance rates are also higher averaging 3.48 percent.

5 year adjustable mortgage loan rates today are averaging 3.19 percent, up from the prior week’s average mortgage rate of 3.13 percent. 5 year refinance home loan rates today are also higher at 3.19 percent.

7 year adjustable mortgage loan interest rates are averaging 3.45 percent, up from the previous week’s average 7 year home mortgage rate of 3.42 percent. Today’s 7 year refinance interest rates are averaging 3.45 percent.

10 year adjustable loan rates are averaging 3.84 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.80 percent. 10 year home refinance rates today are also averaging 3.84 percent.

Current Adjustable Jumbo Mortgage Rates

Current 1 year jumbo adjustable loan interest rates are averaging 5.32 percent, unchanged from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate. 1 year jumbo refinance loan mortgage rates today are unchanged at 5.32 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.03 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.01 percent. 3 year refinance jumbo mortgage rates today are also higher at 4.03 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.57 percent, a decrease from last week’s average mortgage rate of 3.66 percent. 5 year jumbo mortgage refi rates today are also lower at 3.57 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.35 percent, down from last week’s average 7 year home mortgage loan rate of 4.37 percent. 7 year jumbo refinance mortgage rates today are also lower, averaging 4.35 percent.

10 year loan jumbo loan interest rates are averaging 4.82 percent, down from the prior week’s average 10 year jumbo home mortgage rate of 4.95 percent. 10 year jumbo home loan refinance interest rates today are also lower averaging 4.82 percent.

Conforming Interest Only Adjustable Mortgage Rates Today

3 year interest only adjustable mortgage loan rates today are averaging 3.64 percent, up from last week’s average interest only mortgage loan rate of 3.56 percent. 3 year interest only adjustable refinance mortgage rates are also highest averaging 3.64 percent.

Current 5 year interest only adjustable loan rates are averaging 3.26 percent, down from last week’s average five year interest only mortgage loan rate of 3.27 percent.  5 year interest only adjustable refinance mortgage rates are averaging 3.26 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.42 percent, down from last week’s average 7 year interest-only mortgage interest rate of 3.59 percent. 7 year adjustable refinance rate mortgages today are averaging 3.42 percent.

Interest Only Jumbo Adjustable Mortgage Rates Today

3 year jumbo interest only adjustable mortgage rates today are averaging 4.42 percent, down from last week’s average jumbo adjustable interest only mortgage rate of 4.43 percent. 3 year interest only adjustable jumbo refinance rates today are averaging 4.42 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.11 percent, down from last week’s average IO home mortgage interest rate of 4.28 percent. 5 year jumbo adjustable IO loan rates are also lower, averaging 4.11 percent.

7 year jumbo IO loan adjustable mortgage rates are averaging 4.69 percent, down from an average jumbo 7 year home mortgage rate of 4.79 percent last week. 7 year jumbo adjustable interest-only mortgage rates today are also averaging lower at 4.69 percent.

Home Equity Loan Rates Today

Current 10 year home equity loan rates are averaging 6.766 percent, up from the previous week’s average home equity loan rate of 6.677 percent.

15 year home equity rates today are averaging 7.095 percent, up from last week’s average home equity rate of 6.970 percent.

Home Equity Line of Credit Rates Today

Home equity line of credit rates are averaging 4.913 percent, unchanged from last week’s average HELOC rate.