Mortgage Rates End 2018 Lower
Today's 30 year jumbo mortgage rates are averaging 4.43 percent, down from last week's rate of 4.49 percent. 15 year jumbo mortgage rates are averaging 4.16 percent, a decline from the prior week's average rate of 4.22 percent. As we head into 2019 the outlook for where mortgage rates are headed is anyone's guess at this point. The Federal Reserve is expected to increase the fed funds rate at least two more times in 2019. These increase would force U.S. Treasury yields higher which will force lender's to increase mortgage rates. 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
 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
 NMLS #1025894
5.756%
15-Year Fixed
5.625%
$3,404
Includes 0.676 points for $2,704
Lender Fees: $700
$3,295 /mo
 NMLS #6606
5.884%
15-Year Fixed
5.740%
$3,732
Includes 0.933 points for $3,732
Lender Fees: $0
$3,320 /mo
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
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
NMLS #1025894
6.721%
30-Year Fixed
6.625%
$3,956
Includes 0.814 points for $3,256
Lender Fees: $700
$2,562 /mo
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
 NMLS #3030
6.889%
15-Year Fixed
6.750%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$3,540 /mo
NMLS #6606
6.960%
30-Year Fixed
6.875%
$3,468
Includes 0.867 points for $3,468
Lender Fees: $0
$2,628 /mo
NMLS #3030
7.589%
30-Year Fixed
7.500%
$3,500
Includes 0.875 points for $3,500
Lender Fees: $0
$2,797 /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.
Then again if economic growth slows considerably, especially with the trade war in full swing, interest rates could move lower. One group that forecasts mortgage rates, The Mortgage Bankers Association, is forecasting 30 year conforming rates to be at 5.10 percent by the end of 2019. Explore Other Mortgage and Refinance Offers
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Mortgage Rates Decline This Week - Average 30 Year Rates at 4.14 Percent
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Mortgage rates continued their move lower as 2018 comes to an end. Average 30 year mortgage rates today are at 4.61 percent, down from the prior week's average 30 year mortgage rate of 4.67 percent. Current mortgage rates on 15 year fixed loans are averaging 3.78 percent, a decline from last week's average 15 year rate of 3.84 percent.
