Mortgage Rates: Current Spread Between 30 Year Conforming Mortgage Rates and Jumbo Mortgage Rates at 0.44%

Mortgage rates are mostly higher today as bond yields increased on the prospect of a solution to the sovereign government debt crisis in Europe. Today's mortgage rates on 30 year conforming mortgages are averaging 4.07%, up slightly from yesterday's average 30 year mortgage rate of 4.06%. The spread between 30 year conforming mortgage rates and 30 year jumbo mortgage rates is at the lowest point ever at 0.44% on MonitorBankRates' average mortgage rates index.

Mortgage rates on 15 year mortgage loans are averaging 3.31%, up from yesterday's average 15 year mortgage rate of 3.24%.

View current mortgage rates from several different lenders by using our rate table here: Today's Mortgage Rates. No personal information is needed to view a list of mortgage rates.

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 #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 #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 #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.

30 year jumbo mortgage rates are averaging 4.51%, unchanged from yesterday's average 30 year jumbo mortgage rate. Current 15 year jumbo mortgage rates are averaging 3.82%, up from last week’s average 15 year jumbo mortgage rate of 3.79%.

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

Mortgage Rates

Conforming Adjustable Mortgage Rates Current

1 year adjustable mortgage rates today are averaging 3.62%, unchanged from last week’s average 1 year adjustable jumbo mortgage rate.

3 year adjustable mortgage rates today are averaging 3.18%, up from last week’s average 3 year adjustable mortgage rate of 2.93%.

5 year adjustable mortgage rates are averaging 3.25%, up from the prior week’s average 5 year adjustable rate of 2.96%.

Current 7 year adjustable mortgage rates are averaging 3.24%, unchanged from the previous week’s average 7 year adjustable mortgage rate.

10 year adjustable mortgage rates currently are averaging 3.55%, down from last week’s average 10 year adjustable rate of 3.66%.

Current Adjustable Jumbo Mortgage Rates

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 3.39%, up from last week’s average 3 year jumbo adjustable rate of 3.35%.

5 year adjustable jumbo mortgage rates currently are averaging 3.10%, down from last week’s average jumbo adjustable rate of 3.12%.

7 year jumbo adjustable mortgage loan rates are averaging 3.42%, down from last week’s average 7 year adjustable home loan rate of 3.52%.

10 year jumbo loan rates are averaging 3.94%, up from the prior week’s average 10 year jumbo home mortgage loan rate of 3.93%.

Today's Conforming Interest Only Adjustable Mortgage Rates

3 year interest only adjustable mortgage loan rates are averaging 3.14%, up from last week’s average interest only mortgage loan rate of 3.13%.

5 year IO adjustable loan mortgage rates are averaging 3.18%, up from last week’s average five year interest only mortgage rate of 3.14%.

7 year interest only adjustable mortgage loan rates are averaging 3.36%, up from last week’s average 7 year interest-only mortgage interest rate of 3.35%.

Interest Only Jumbo Mortgage Rates Todays

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.54%, up from last week’s average jumbo adjustable interest only rate of 3.44%.

Current 5 year adjustable jumbo interest only rates are averaging 3.47%,   up from last week’s average IO home mortgage interest rate of 3.39%.

Today’s 7 year jumbo interest only adjustable rates are averaging 3.67%, down from last week’s average jumbo 7 year home mortgage loan rate of 3.72%.

Home Equity Loan Rates Currently

10 year home equity loan rates are averaging 6.66%, down from last week’s average home equity loan rate of 6.68%.

15 year home equity rates are averaging 6.64%, down from last week’s average home equity loan rate of 6.72%.

HELOC Rates Today