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 #2473786
4.887%
15-Year Fixed
4.750%
$3,635
Includes 0.635 points for $2,540
Lender Fees: $1,095
$3,112 /mo
 NMLS #757416
4.997%
15-Year Fixed
4.875%
$3,240
Includes 0.810 points for $3,240
Lender Fees: $0
$3,138 /mo
 NMLS #6606
5.150%
15-Year Fixed
5.000%
$3,972
Includes 0.993 points for $3,972
Lender Fees: $0
$3,164 /mo
NMLS #2473786
5.231%
5-Year ARM
5.125%
$4,807
Includes 0.928 points for $3,712
Lender Fees: $1,095
$2,178 /mo
 NMLS #1025894
5.273%
15-Year Fixed
5.125%
$3,888
Includes 0.797 points for $3,188
Lender Fees: $700
$3,190 /mo
 NMLS #1954591
License: 60DBO-113383
5.304%
15-Year Fixed
5.125%
$4,771
Includes 0.916 points for $3,664
Lender Fees: $1,107
$3,190 /mo
NMLS #2473786
5.700%
30-Year Fixed
5.625%
$3,291
Includes 0.549 points for $2,196
Lender Fees: $1,095
$2,303 /mo
NMLS #757416
5.715%
30-Year Fixed
5.625%
$3,940
Includes 0.985 points for $3,940
Lender Fees: $0
$2,303 /mo
 NMLS #2561451
5.737%
30-Year Fixed
5.625%
$5,078
Includes 0.824 points for $3,296
Lender Fees: $1,782
$2,303 /mo
NMLS #6606
5.966%
30-Year Fixed
5.875%
$3,924
Includes 0.981 points for $3,924
Lender Fees: $0
$2,367 /mo
NMLS #1025894
5.970%
30-Year Fixed
5.875%
$4,132
Includes 0.858 points for $3,432
Lender Fees: $700
$2,367 /mo
 NMLS #399799
5.980%
30-Year Fixed
5.875%
$4,719
Includes 0.848 points for $3,392
Lender Fees: $1,327
$2,367 /mo
NMLS #1954591
License: 60DBO-113383
6.087%
30-Year Fixed
5.990%
$4,239
Includes 0.783 points for $3,132
Lender Fees: $1,107
$2,396 /mo
NMLS #1954591
License: 60DBO-113383
6.230%
5-Year ARM
6.125%
$4,523
Includes 0.854 points for $3,416
Lender Fees: $1,107
$2,431 /mo
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.
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.
