Long Term Mortgage Rates and Short Term Mortgage Rates Lower This WeekBoth long term mortgage interest rates and short term mortgage interest rates started 2011 lower in the most recent mortgage survey released this morning by Freddie Mac. Conforming 30 year mortgage interest rates are averaging 4.77 percent with 0.8 mortgage discount points for the week ending January 6, 2011, down from the previous week’s average rate of 4.86 percent. 15 year conforming mortgage loan rates are averaging 4.13 percent with 0.8 points for the week ending January 6, 2011. In the previous week's survey rates on 15 year mortgages averaged 4.20 percent. 5 year U.S. Treasury indexed adjustable mortgage interest rates averaged 3.75 percent for the week ending January 6, 2011, down from the previous week’s average 5 year adjustable home mortgage rate of 3.77 percent. Average mortgage discount points on 5 year adjustable home mortgages was 0.7 points, unchanged from the previous week’s average. 1 year U.S. Treasury indexed adjustable home loan rates averaged 3.24 percent for the week ending January 6, 2011, down from the prior week’s average 1 year adjustable home mortgage rate of 3.26 percent. Average mortgage points on 1 year adjustable home loans was 0.6 points, unchanged from the prior week’s average. Lender
APR / Rate
Fees / Points
Payment
$5,412
Includes 0.853 points for $3,412
Lender Fees: $2,000
$3,216 /mo
$4,565
Includes 0.655 points for $2,620
Lender Fees: $1,945
$3,269 /mo
$5,389
Includes 0.859 points for $3,436
Lender Fees: $1,953
$3,269 /mo
$4,692
Includes 0.998 points for $3,992
Lender Fees: $700
$3,295 /mo
$3,112
Includes 0.778 points for $3,112
Lender Fees: $0
$3,322 /mo
$3,780
Includes 0.945 points for $3,780
Lender Fees: $0
$3,322 /mo
$8,000
Includes 1.000 points for $4,000
Lender Fees: $4,000
$3,295 /mo
$4,504
Includes 0.626 points for $2,504
Lender Fees: $2,000
$2,463 /mo
$4,945
Includes 0.750 points for $3,000
Lender Fees: $1,945
$2,529 /mo
$2,384
Includes 0.596 points for $2,384
Lender Fees: $0
$2,562 /mo
$3,548
Includes 0.887 points for $3,548
Lender Fees: $0
$2,561 /mo
$3,984
Includes 0.821 points for $3,284
Lender Fees: $700
$2,562 /mo
$4,853
Includes 0.725 points for $2,900
Lender Fees: $1,953
$2,562 /mo
$5,876
Includes 0.969 points for $3,876
Lender Fees: $2,000
$2,595 /mo
$5,495
Includes 0.875 points for $3,500
Lender Fees: $1,995
$2,628 /mo
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$3,594 /mo
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.
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