Low mortgage rates won't help refinance demand in 2012 according to the Mortgage Bankers Association. Although 30 year mortgage rates are expected to remain under 4.50% throughout 2012 high unemployment and a weak economy will sap demand for refinancing mortgage loans. Current 30 year mortgage rates are averaging 4.21%, an increase from an average 30 year mortgage rate of 4.16%. 15 year mortgage rates today are also higher averaging 3.49%, up from an average 15 year mortgage rate of 3.43% yesterday.

Search and compare today's mortgage rates from multiple lenders by using our rate tables here: Today's Mortgage Rates. Unlike most websites, no personal information is needed to view a list of mortgage rates.

Current mortgage rates on 30 year jumbo loans are averaging 4.68%, an increase from yesterday’s average 30 year jumbo mortgage rate of 4.61%. Today's mortgage rates on 15 year jumbo mortgage loans are averaging 3.94%, an increase from yesterday’s average 15 year jumbo mortgage rate of 3.84%.

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 #274058

5.552%

15-Year Fixed

5.375%

$4,638

Includes 0.637 points for $2,548

Lender Fees: $2,090

$3,242 /mo

Next >

NMLS #401822

5.554%

15-Year Fixed

5.250%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #1025894

5.756%

15-Year Fixed

5.625%

$3,404

Includes 0.676 points for $2,704

Lender Fees: $700

$3,295 /mo

Next >

NMLS #6606

5.884%

15-Year Fixed

5.740%

$3,732

Includes 0.933 points for $3,732

Lender Fees: $0

$3,320 /mo

Next >

NMLS #274058

6.515%

5-Year ARM

6.375%

$5,894

Includes 0.951 points for $3,804

Lender Fees: $2,090

$2,496 /mo

Next >

NMLS #274058

6.632%

30-Year Fixed

6.500%

$5,506

Includes 0.854 points for $3,416

Lender Fees: $2,090

$2,529 /mo

Next >

NMLS #1025894

6.721%

30-Year Fixed

6.625%

$3,956

Includes 0.814 points for $3,256

Lender Fees: $700

$2,562 /mo

Next >

NMLS #401822

6.770%

30-Year Fixed

6.625%

$5,995

Includes 1.000 points for $4,000

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #3030

6.889%

15-Year Fixed

6.750%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,540 /mo

Next >

NMLS #6606

6.960%

30-Year Fixed

6.875%

$3,468

Includes 0.867 points for $3,468

Lender Fees: $0

$2,628 /mo

Next >

NMLS #3030

7.589%

30-Year Fixed

7.500%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$2,797 /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.

Following is a more in-depth mortgage rate report released by MonitorBankRates.com this past Monday:

Mortgage Rates

Conventional Adjustable Mortgage Rates Today

1 year adjustable mortgage rates today are averaging 3.72%, up from last week’s average 1 year adjustable jumbo mortgage rate of 3.68%.

3 year adjustable mortgage rates today are averaging 2.76%, down from last week’s average 3 year adjustable mortgage rate of 2.97%.

5 year adjustable mortgage rates are averaging 3.13%, an increase from the prior week’s average 5 year adjustable rate of 2.99%.

Current 7 year adjustable mortgage rates are averaging 3.19%, down from the previous week’s average 7 year adjustable mortgage rate of 3.30%.

10 year adjustable mortgage rates currently are averaging 3.60%, an increase from last week’s average 10 year adjustable rate of 3.59%.

Adjustable Jumbo Mortgage Rates Currently

Current 1 year jumbo adjustable mortgage rates are averaging 4.05%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging lower at 3.40%, down from last week’s average 3 year jumbo adjustable rate of 3.58%.

5 year adjustable jumbo mortgage rates and refinance rates currently are averaging 3.11%, a decrease from last week’s average jumbo adjustable rate of 3.21%.

7 year jumbo adjustable mortgage rates and refinance rates today are averaging 3.69%, up from last week’s average 7 year adjustable home loan rate of 3.54%.

10 year jumbo loan rates and refi rates are averaging 4.03%, up from the prior week’s average 10 year jumbo home mortgage loan rate of 3.89%.

Today's Conforming Interest Only Adjustable Mortgage

3 year interest only adjustable mortgage loan rates and refinancing rates are averaging 3.31%, up from last week’s average interest only mortgage loan rate of 3.21%.

5 year IO adjustable loan mortgage rates and mortgage refinance rates are averaging 3.45%, up from last week’s average five year interest only mortgage rate of 3.23%.

7 year interest only adjustable mortgage rates and refinance rates are averaging 3.47%, down from last week’s average 7 year interest-only mortgage interest rate of 3.49%.

Interest Only Jumbo Mortgage Rates Today

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.57%, down from last week’s average jumbo adjustable interest only rate of 3.76%.

Current 5 year adjustable jumbo interest only rates are averaging 3.52%, an increase from last week’s average IO home mortgage interest rate of 3.46%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.82%, up from last week’s average jumbo 7 year home mortgage loan rate of 3.73%.

Current Home Equity Loan Rates

10 year home equity loan rates are averaging 6.52%, down from last week’s average home equity loan rate of 6.60%.

15 year home equity rates are averaging 6.50, down from last week’s average home equity loan rate of 6.58%.

HELOC Rates Today