Mortgage Rates 4-20: 30 Year Conforming Rates Averaging 4.80%, 30 Year Jumbo Rates Averaging 5.35%Mortgage rates barely changed today despite the United State's long term rating outlook being lowered to negative by Standard & Poor's. Current 30 year mortgage rates are averaging 4.80% as reported by MonitorBankRates.com. 30 year rates are down from yesterday's average rate of 4.83%. Average 30 year rates in Arizona are slightly higher than the national average at 4.84%.
The current spread different between conforming and jumbo rates is only 0.55 percent. During the financial crisis when getting a jumbo mortgage was almost impossible the spread between conforming rates and jumbo rates was as high as 2.00% or 200 basis points. Lender
APR / Rate
Fees / Points
Payment
 NMLS #2326098
License: 60DBO-181478
4.783%
15-Year Fixed
4.625%
$4,409
Includes 0.614 points for $2,456
Lender Fees: $1,953
$3,086 /mo
 NMLS #1689962
License: 02053435
4.873%
15-Year Fixed
4.750%
$3,280
Includes 0.820 points for $3,280
Lender Fees: $0
$3,112 /mo
 NMLS #1025894
4.978%
15-Year Fixed
4.875%
$2,736
Includes 0.509 points for $2,036
Lender Fees: $700
$3,138 /mo
 NMLS #3030
5.654%
15-Year Fixed
5.500%
$4,000
Includes 1.000 points for $4,000
Lender Fees: $0
$3,269 /mo
NMLS #2326098
License: 60DBO-181478
5.726%
30-Year Fixed
5.625%
$4,637
Includes 0.671 points for $2,684
Lender Fees: $1,953
$2,303 /mo
NMLS #1689962
License: 02053435
5.829%
30-Year Fixed
5.750%
$3,432
Includes 0.858 points for $3,432
Lender Fees: $0
$2,335 /mo
 NMLS #401822
5.905%
15-Year Fixed
5.750%
$4,000
Includes 0.000 points for $0
Lender Fees: $4,000
$3,322 /mo
NMLS #401822
5.933%
30-Year Fixed
5.750%
$8,000
Includes 1.000 points for $4,000
Lender Fees: $4,000
$2,335 /mo
NMLS #1025894
5.956%
30-Year Fixed
5.875%
$3,504
Includes 0.701 points for $2,804
Lender Fees: $700
$2,367 /mo
NMLS #2326098
License: 60DBO-181478
6.258%
5-Year ARM
6.125%
$5,853
Includes 0.975 points for $3,900
Lender Fees: $1,953
$2,431 /mo
NMLS #3030
6.458%
30-Year Fixed
6.375%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$2,496 /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.
15 year conforming rates are lower today and 15 year jumbo rates are higher. Current 15 year rates averaging 4.13%, this rate is down from yesterday's average rate of 4.18 percent. 15 year jumbo rates are currently averaging 4.68%, up from yesterday's average of 4.67%. Explore Other Mortgage and Refinance Offers
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Today's 30 year jumbo mortgage rates are averaging 5.35%,up from yesterday's average 30 year jumbo rate of 5.32%. 30 year jumbo mortgage rates today in New York are higher averaging 5.37 percent.
