Mortgage Rates Easing As We Head Into the Holiday Weekend

Mortgage rates today on 30 year fixed conventional mortgage loans are averaging 3.55 percent. There are many lenders advertising 30 year mortgage rates below the averages. Right now on our 30 year refinance rates list for the state of North Carolina there are lenders offering 30 year refinancing rates at 3.25 percent with points. The lowest 30 year refi rates on our list is from Amerisave and Aimloan at 3.13 percent with points.

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 #1283930

License: 01970483

5.445%

15-Year Fixed

5.250%

$5,125

Includes 1.000 points for $4,000

Lender Fees: $1,125

$3,216 /mo

Next >

NMLS #1838

5.455%

15-Year Fixed

5.250%

$5,395

Includes 0.974 points for $3,896

Lender Fees: $1,499

$3,216 /mo

Next >

NMLS #1025894

5.548%

15-Year Fixed

5.375%

$4,512

Includes 0.953 points for $3,812

Lender Fees: $700

$3,242 /mo

Next >

NMLS #401822

6.039%

15-Year Fixed

5.750%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,322 /mo

Next >

NMLS #3030

6.146%

15-Year Fixed

5.990%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,374 /mo

Next >

NMLS #1838

6.231%

30-Year Fixed

6.125%

$4,535

Includes 0.759 points for $3,036

Lender Fees: $1,499

$2,431 /mo

Next >

NMLS #401822

6.289%

30-Year Fixed

6.125%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$2,431 /mo

Next >

NMLS #1283930

License: 01970483

6.347%

30-Year Fixed

6.250%

$4,125

Includes 0.750 points for $3,000

Lender Fees: $1,125

$2,463 /mo

Next >

NMLS #1025894

6.477%

30-Year Fixed

6.375%

$4,284

Includes 0.896 points for $3,584

Lender Fees: $700

$2,496 /mo

Next >

NMLS #3030

6.949%

30-Year Fixed

6.875%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,628 /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.

In Freddie's mortgage rate survey this week 15 year conventional mortgage interest rates averaged 2.86 percent with 0.6 mortgage discount point. In the prior week's average 15 year mortgage rates averaged 2.89 percent. Current mortgage rates on 15 year conforming loans are averaging 2.91 percent.

There are home loan lenders advertising 15 year conforming refinance mortgage rates currently that are below the averages. For example, there are lenders in the state of Massachusetts that are offering current refinance rates on 15 year loans as low as 2.50 percent with points. American Interbanc is offering 15 year refinance rates today at 2.50 percent with 1 point, Aimloan is offering today's refinance rates at 2.50 percent with 1.101 point and Amerisave is offering 15 year refi rates also at 2.50 percent with 1.363 point.

5 year conforming adjustable mortgage rates averaged 2.78 percent with 0.6 mortgage point for the week ending August 30, 2012. In the prior week's survey the average 5 year conforming adjustable mortgage rate was at 2.80 percent. Today's mortgage rates for 5 year adjustable loans are averaging 2.87 percent.

Right now on our 5 year adjustable mortgage refinance rates list for the state of Minnesota there are lenders offering 5 year adjustable rates almost 1 percent below the average rates. Round Point Mortgage Company is offering 5 year adjustable refi rates at 1.88 percent with 2 mortgage points.

Average 1 year conforming adjustable mortgage rates averaged 2.63 percent with 0.4 mortgage discount point for the week ending August 30, 2012, a decline from the prior week's average 1 year adjustable mortgage rate of 2.66 percent.