Mortgage rates on 30 year mortgages hit yet another low in 2011 and an all-time low in the most recent mortgage rates survey. Current mortgage rates on 30 year mortgages are down to 4.15% with 0.7 mortgage points for the week ending August 18, 2011, down from the prior week's average 30 year mortgage rate of 4.32%. Average rates are as reported in Freddie Mac's Primary Mortgage Market Survey.

Compare today's mortgage rates by searching our mortgage rate tables here: Today's Mortgage Rates. Unlike most websites, no personal information is needed to view a list of mortgage rates.

Mortgage rates today on 15 year mortgages are averaging 3.36% with 0.6 mortgage points, down from last week's average 15 year mortgage rate of 3.50%. While 15 year mortgage rate are not at all-time lows rates are at a low for 2011.

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 #1025894

5.188%

15-Year Fixed

4.990%

$5,248

Includes 0.812 points for $3,248

Lender Fees: $2,000

$3,162 /mo

Next >

NMLS #1025894

5.967%

30-Year Fixed

5.875%

$3,972

Includes 0.493 points for $1,972

Lender Fees: $2,000

$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.

5 year U.S. Treasury-indexed adjustable mortgage rates are averaging 3.08% with 0.5 mortgage discount points for the week ending August 18, 2011, a decline from the previous week’s average 5 year adjustable rate of 3.13%.

1 year U.S. Treasury-indexed adjustable mortgage rates are averaging 2.87% with 0.6 mortgage discount points, down from the prior week’s average 1 year adjustable mortgage rate of 2.89%.

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

Mortgage Rates

Mortgage rates declined this week, current 30 year conforming mortgage rates are averaging 4.24%, down from last week’s average 30 year mortgage rate of 4.28%. Conforming 15 year mortgage rates are also lower this week averaging 3.50%, down from last week’s average 15 year mortgage rate of 3.56%.

Today’s mortgage rates on 30 year jumbo mortgage loans are averaging 4.70%, a decline from last week’s average 30 year jumbo mortgage rate of 4.75%.  15 year jumbo mortgage rates are averaging 4.08%, down slightly from last week’s average 15 year jumbo rate of 4.09%.

Conforming Adjustable Mortgage Rates Current

1 year adjustable mortgage rates today are averaging 3.58%, up from last week’s average 1 year adjustable jumbo mortgage rate of 3.45%.

Current 3 year adjustable mortgage refinance rates and adjustable mortgage rates today are averaging 2.95%, down from last week’s average 3 year adjustable mortgage rate of 3.01%.

5 year adjustable mortgage mortgage are averaging 3.00%, down from the prior week’s average 5 year adjustable rate of 3.25%.

Today’s 7 year adjustable mortgage rates are averaging 3.23%, down from the previous week’s average 7 year adjustable mortgage rate of 3.28%.

10 year adjustable mortgage rates currently are averaging 3.76%, up from last week’s average 10 year adjustable rate of 3.70%.

Adjustable Jumbo Mortgage Rates Today

Current 1 year jumbo adjustable mortgage rates are averaging 3.12%, unchanged from last week’s average adjustable jumbo mortgage rate.

3 year adjustable jumbo rates today are averaging higher at 3.33%, down from last week’s average 3 year jumbo adjustable rate of 3.38%.

5 year adjustable jumbo mortgage rates current are averaging 3.25%, up from last week’s average jumbo adjustable rate of 3.21%.

7 year jumbo adjustable mortgage loan rates are averaging 3.64%, unchanged from last week’s average 7 year adjustable home loan rate.

10 year jumbo loan rates are averaging 4.15%, down from the prior week’s average 10 year jumbo home mortgage loan rate of 4.17%. 

Current 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 3.19%.

5 year IO adjustable loan mortgage rates are averaging 3.13%, up last week’s average five year interest only mortgage rate of 3.10%.

7 year interest only adjustable mortgage loan rates are averaging 3.39%, down from last week’s average 7 year interest-only mortgage interest rate of 3.40%. 

Today's Interest Only Jumbo Mortgage Rates

Today’s 3 year jumbo interest only adjustable loan rates are averaging 3.43%, a decrease from last week’s average jumbo adjustable interest only rate of 3.90%.

5 year adjustable jumbo interest only rates are averaging 3.55%, up from last week’s average IO home mortgage interest rate of 3.52%.

7 year jumbo interest only adjustable rates are averaging 3.83%, down from last week’s average jumbo 7 year home mortgage loan rate of 3.84%.

Home Equity Loan Rates Current

10 year home equity loan rates are averaging 6.62%, down from last week’s average home equity loan rate of 6.77%.

15 year home equity rates are averaging 6.66%, down from last week’s average home equity loan rate of 6.86%.

HELOC Rates Today

Home equity line of credit rates are averaging 4.97%, unchanged from last week’s average rate HELOC rate.