Home mortgage rates and adjustable mortgage rates are mostly higher this week over last week. Home mortgage rates will start heading down again when the Fed's purchases of Treasuries forces interest rates down. Right now fixed conforming 30 year mortgage rates are averaging 4.38 percent, up from last week’s average 30 year mortgage rate of 4.26 percent. 30 year conventional home mortgage rates and refinancing rates in New York are higher than the national average 30 year mortgage rate. Current 30 year New York mortgage rates are averaging 4.56 percent..

Conforming 15 year home mortgage rates today are averaging 3.78 percent, up from the previous week’s average 15 year mortgage loan interest rate of 3.56 percent. 15 year home mortgage loan rates today in California are even higher averaging 3.88 percent.

Current 30 year jumbo home mortgage rates are averaging 4.93 percent, an increase from last week’s national average jumbo mortgage rate of 4.80 percent. 30 year California jumbo mortgage rates are higher than the national average. Current 30 year jumbo mortgage rates and current refinance mortgage loan rates in Massachusetts are higher averaging 5.06 percent.

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 #1835285

5.296%

15-Year Fixed

5.125%

$4,500

Includes 0.625 points for $2,500

Lender Fees: $2,000

$3,190 /mo

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NMLS #2578474

5.389%

15-Year Fixed

5.250%

$3,650

Includes 0.650 points for $2,600

Lender Fees: $1,050

$3,216 /mo

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NMLS #2059741

5.510%

15-Year Fixed

5.375%

$3,520

Includes 0.880 points for $3,520

Lender Fees: $0

$3,242 /mo

Next >

NMLS #1025894

5.632%

15-Year Fixed

5.490%

$3,688

Includes 0.747 points for $2,988

Lender Fees: $700

$3,267 /mo

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NMLS #6606

5.767%

15-Year Fixed

5.625%

$3,696

Includes 0.924 points for $3,696

Lender Fees: $0

$3,295 /mo

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NMLS #1835285

6.262%

5-Year ARM

6.125%

$5,848

Includes 0.962 points for $3,848

Lender Fees: $2,000

$2,431 /mo

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NMLS #1835285

6.344%

30-Year Fixed

6.250%

$4,000

Includes 0.500 points for $2,000

Lender Fees: $2,000

$2,463 /mo

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NMLS #2578474

6.360%

30-Year Fixed

6.250%

$4,650

Includes 0.900 points for $3,600

Lender Fees: $1,050

$2,463 /mo

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NMLS #2059741

6.548%

30-Year Fixed

6.490%

$2,412

Includes 0.603 points for $2,412

Lender Fees: $0

$2,526 /mo

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NMLS #1025894

6.597%

30-Year Fixed

6.490%

$4,460

Includes 0.940 points for $3,760

Lender Fees: $700

$2,526 /mo

Next >

NMLS #401822

6.758%

30-Year Fixed

6.625%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #6606

6.823%

30-Year Fixed

6.740%

$3,392

Includes 0.848 points for $3,392

Lender Fees: $0

$2,592 /mo

Next >

NMLS #401822

7.764%

15-Year Fixed

7.500%

$6,500

Includes 0.625 points for $2,500

Lender Fees: $4,000

$3,709 /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.

15 year jumbo home mortgage rates today are averaging at 4.42 percent, up from the prior week’s average jumbo mortgage loan rate of 4.15 percent. Current 15 year jumbo mortgage loan rates and current mortgage refinance rates in Tennessee are higher averaging 4.49 percent.

Searching for mortgage rates and mortgage refinance rates? Use our mortgage calculator and mortgage refinance calculator to calculate your monthly mortgage payments.

Mortgage Rates & Refinance Mortgage Rates

Conventional Adjustable Mortgage Rates Today

1 year adjustable mortgage rates today are averaging 3.09 percent, down from last week’s average 1 year adjustable home mortgage loan rate of 3.17 percent. 1 year today refinance rates are also lower averaging 3.09 percent.

3 year adjustable mortgage rates are averaging 3.19 percent, down from last week’s average 3 year adjustable mortgage loan rate of 3.33 percent. today’s refinance interest rates are also lower averaging 3.19 percent.

5 year adjustable mortgage loan rates today are averaging 3.20 percent, down from the prior week’s average mortgage rate of 3.49 percent. Today’s refi mortgage rates are also lower averaging 3.20 percent.

7 year adjustable mortgage loan interest rates today are averaging 3.59 percent, up from the previous week’s average 7 year home mortgage rate of 3.45 percent. Today’s 7 year refinance rates are also higher averaging 3.59 percent.

10 year adjustable mortgage loan rates today are averaging 3.94 percent this week, up from last week’s average 10 year adjustable mortgage rate of 3.85 percent. 10 year home refinance rates today are also averaging 3.94 percent.

Jumbo Adjustable Mortgage Rates Current

1 year jumbo adjustable loan rates are averaging 5.33 percent, up from the prior week’s average 1 year jumbo adjustable loan mortgage interest rate of 5.32 percent. 1 year jumbo refinance loan mortgage rates today are also higher at 5.33 percent.

3 year adjustable jumbo mortgage rates today are higher averaging 4.16 percent, up from last week’s average 3 year jumbo adjustable loan rate of 4.06 percent. 3 year jumbo refinance rates today are also higher at 4.16 percent.

5 year adjustable jumbo mortgage rates today are averaging 3.63 percent, up from last week’s average mortgage rate of 3.560percent. 5 year jumbo  refi rates today are also up averaging 3.63 percent.

7 year jumbo adjustable mortgage rates today are averaging 4.34 percent, up from last week’s average 7 year home mortgage loan rate of 4.33 percent. 7 year jumbo refinance mortgage rates today are also higher at 4.34 percent.

10 year loan jumbo loan interest rates are averaging 5.05 percent, up from the prior week’s average 10 year jumbo home mortgage rate of 492 percent. 10 year jumbo home loan refinance interest rates today are also higher at 5.02 percent.

Conforming Interest Only Adjustable Mortgage Rates Today

3 year interest only adjustable mortgage loan rates today are averaging 3.41 percent, down from last week’s average interest only mortgage loan rate of 3.50 percent. 3 year interest only adjustable refinance mortgage rates are also lower at 3.41 percent.

5 year interest only adjustable loan rates are averaging 3.44 percent, up from last week’s average five year interest only mortgage loan rate of 3.30 percent. Current 5 year interest only adjustable refinance mortgage rates are also averaging 3.44 percent.

7 year interest only adjustable mortgage loan rates are averaging 3.73 percent, up from last week’s average 7 year interest-only mortgage interest rate of 3.60 percent. 7 year adjustable refinance rate mortgages today are averaging 3.73 percent.

Current Jumbo Interest Only Adjustable Mortgage Rates

3 year jumbo interest only adjustable mortgage rates today are averaging 4.58 percent, up from last week’s average jumbo adjustable interest only mortgage rate of 4.47 percent. 3 year interest only adjustable jumbo refinance rates today are averaging 4.58 percent.

5 year adjustable jumbo loan interest only mortgage rates today are averaging 4.09 percent, up from last week’s average IO home mortgage interest rate of 3.93 percent. 5 year jumbo adjustable IO loan rates are also higher averaging 4.09 percent.

7 year jumbo interest only adjustable mortgage rates are averaging 4.73 percent, up from an average jumbo 7 year home mortgage rate of 4.67 percent last week. Current 7 year jumbo adjustable interest-only mortgage rates today are also averaging 4.73 percent.

Home Equity Rates

Current 10 year home equity loan rates are averaging 6.686 percent, down from last week’s average home equity loan rate of 6.692 percent.

15 year home equity rates today are averaging 7.073 percent, a decrease from last week’s average home equity rate of 7.079 percent.

HELOC Rates

Home equity line of credit rates are averaging 5.12 percent, down from last week’s average HELOC rate of 5.16 percent.