Current Mortgage Rates Decline Today: Fixed Conforming 30 Year Mortgage Rates Averaging 3.55 Percent

Average mortgage rates are lower today after heading higher almost every day last week. Fixed conforming 30 year mortgage rates today are averaging 3.55 percent, a decline from an average 30 year mortgage rate of 3.68 percent. You can find lenders advertising mortgage rates and refinance rates below the averages. Right now on our 30 year refinance rates list for Fort Lauderdale, Florida, there are lenders offering rates at 3.38 percent.

Current mortgage rates on 15 year conventional home loans are also lower today. Average 15 year mortgage rates are at 2.91 percent, down from an average 15 year mortgage rate of 2.98 percent. Average 15 year mortgage rates spent most of the past week above 3.00 percent but fell below that level when bond yields plunged late last week. Currently on our 15 year refinance rates list for Atlanta, Georgia, there are lenders offering 15 year refi rates as low 2.63 percent.

Today's mortgage rates on 30 year jumbo loans are averaging 4.23 percent, a decline from an average 30 year jumbo mortgage rate of 4.28 percent. If the Fed starts another round of quantitative easing we could see 30 year jumbo mortgage interest rates move below 4.00 percent. The all-time record low jumbo mortgage rate is 4.09 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 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 #2126430

4.764%

15-Year Fixed

4.625%

$3,695

Includes 0.625 points for $2,500

Lender Fees: $1,195

$3,086 /mo

Next >

NMLS #2473786

4.775%

15-Year Fixed

4.625%

$4,015

Includes 0.730 points for $2,920

Lender Fees: $1,095

$3,086 /mo

Next >

NMLS #324599

License: 324599

4.812%

15-Year Fixed

4.625%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$3,086 /mo

Next >

NMLS #1105497

License: 603L227

4.817%

15-Year Fixed

4.625%

$5,125

Includes 0.875 points for $3,500

Lender Fees: $1,625

$3,086 /mo

Next >

NMLS #1025894

4.874%

15-Year Fixed

4.750%

$3,308

Includes 0.827 points for $3,308

Lender Fees: $0

$3,112 /mo

Next >

NMLS #757416

4.898%

15-Year Fixed

4.750%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$3,112 /mo

Next >

NMLS #1954591

License: 60DBO-113383

4.918%

15-Year Fixed

4.750%

$4,539

Includes 0.858 points for $3,432

Lender Fees: $1,107

$3,112 /mo

Next >

NMLS #613839

4.953%

15-Year Fixed

4.750%

$5,407

Includes 0.880 points for $3,520

Lender Fees: $1,887

$3,112 /mo

Next >

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

Next >

NMLS #1067

4.978%

15-Year Fixed

4.875%

$2,732

Includes 0.683 points for $2,732

Lender Fees: $0

$3,138 /mo

Next >

NMLS #2126430

4.983%

5-Year ARM

4.875%

$4,951

Includes 0.939 points for $3,756

Lender Fees: $1,195

$2,117 /mo

Next >

NMLS #1312186

5.007%

15-Year Fixed

4.875%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,138 /mo

Next >

NMLS #6606

5.260%

15-Year Fixed

5.125%

$3,548

Includes 0.887 points for $3,548

Lender Fees: $0

$3,190 /mo

Next >

NMLS #1312186

5.336%

5-Year ARM

5.250%

$3,868

Includes 0.967 points for $3,868

Lender Fees: $0

$2,209 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.473%

5-Year ARM

5.375%

$4,423

Includes 0.829 points for $3,316

Lender Fees: $1,107

$2,240 /mo

Next >

NMLS #324599

License: 324599

5.483%

5-Year ARM

5.375%

$4,886

Includes 0.954 points for $3,816

Lender Fees: $1,070

$2,240 /mo

Next >

NMLS #1105497

License: 603L227

5.484%

5-Year ARM

5.375%

$4,886

Includes 0.829 points for $3,316

Lender Fees: $1,570

$2,240 /mo

Next >

NMLS #2126430

5.583%

30-Year Fixed

5.500%

$3,695

Includes 0.625 points for $2,500

Lender Fees: $1,195

$2,272 /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 >

NMLS #324599

License: 324599

5.613%

30-Year Fixed

5.500%

$5,070

Includes 1.000 points for $4,000

Lender Fees: $1,070

$2,272 /mo

Next >

NMLS #1105497

License: 603L227

5.616%

30-Year Fixed

5.500%

$5,125

Includes 0.875 points for $3,500

Lender Fees: $1,625

$2,272 /mo

Next >

NMLS #1025894

5.682%

30-Year Fixed

5.625%

$2,508

Includes 0.627 points for $2,508

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1067

5.686%

30-Year Fixed

5.625%

$2,684

Includes 0.671 points for $2,684

Lender Fees: $0

$2,303 /mo

Next >

NMLS #757416

5.696%

30-Year Fixed

5.625%

$3,120

Includes 0.780 points for $3,120

Lender Fees: $0

$2,303 /mo

Next >

NMLS #613839

5.726%

30-Year Fixed

5.625%

$4,447

Includes 0.640 points for $2,560

Lender Fees: $1,887

$2,303 /mo

Next >

NMLS #1312186

5.842%

30-Year Fixed

5.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1954591

License: 60DBO-113383

5.854%

30-Year Fixed

5.750%

$4,619

Includes 0.878 points for $3,512

Lender Fees: $1,107

$2,335 /mo

Next >

NMLS #6606

5.958%

30-Year Fixed

5.875%

$3,592

Includes 0.898 points for $3,592

Lender Fees: $0

$2,367 /mo

Next >

NMLS #399799

5.970%

30-Year Fixed

5.875%

$4,284

Includes 0.739 points for $2,956

Lender Fees: $1,328

$2,367 /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.

You can find jumbo mortgage rates and refinance rates below the current national average of 4.23 percent. Right now on our jumbo refinance rates list for Los Angeles, California, there are lenders offering 30 year jumbo refi rates at 3.75 percent, which is below the average 30 year jumbo mortgage rate in California which is at 4.22 percent.

Mortgage rates current on 15 year jumbo mortgage loans are averaging 3.43 percent, down from an average 15 year jumbo rate of 3.46 percent. Right now on our 15 year jumbo refinance rate list for the state of New York there are lenders offering rates below the average. In fact the lowest available rate is from Emery Federal Credit Union at 3.00 percent. Wow, what an incredibly low jumbo rate.

Current mortgage rates today on 5 year adjustable conforming loans and 5 year adjustable jumbo mortgage loans are also lower. Today's mortgage rates on 5 year adjustable conventional mortgages are at 2.88 percent, a decline from an average 5 year adjustable mortgage rate of 2.91 percent.

Right now on our 5 year adjustable refinance rates list for Chicago, Illinois, there are lenders offering rates below the average of 2.88 percent. The lowest 5 year adjustable refi rate available on our list is at an very low rate of 1.88 percent with 2 mortgage points.

Average 5 year jumbo adjustable mortgage rates are at 2.81 percent today, a decline from an average 5 year jumbo rate of 2.85 percent. Currently on our 5 year jumbo refi rates list for Austin, Texas, Citi is offering 5 year jumbo refinancing rates at 2.63 percent with zero points.