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 #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.
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 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.
