Mortgage Rates Stable This Week: 30 Year Mortgage Rates at 4.57%, Says Freddie

Mortgage rates are stable this week after hitting fresh lows last week.  30 year mortgage rates are unchanged at 4.57 percent for the week ending July 15, 2010 in the most recent Primary Mortgage Market Survey released yesterday by Freddie Mac. 30 year mortgage rates are still at the lowest point in the 39 year history of Freddie Mac's survey.

Looking for current mortgage rates and refinance rates? Searching our mortgage rates table at MortgageRates.MonitorBankRates.com to find the best mortgage rates and refi rates. Unlike most websites, no personal information is needed to display a current list of mortgage rates in your state.

30 year mortgage rates have been heading lower for awhile now. Mortgage rates will stay at these current low levels and might even go lower. Recent economic data released by the government shows a slowing economy which is driving interest rates lower.  The FOMC also believes the economy is slowing down. In the FOMC's June minutes on monetary policy the fed trimmed their forecast for growth. The fed also noted the risk increased that the economic recovery would falter.

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 #1981224

5.409%

15-Year Fixed

5.125%

$7,500

Includes 0.875 points for $3,500

Lender Fees: $4,000

$3,190 /mo

Next >

NMLS #757416

5.648%

15-Year Fixed

5.500%

$3,848

Includes 0.962 points for $3,848

Lender Fees: $0

$3,269 /mo

Next >

NMLS #1025894

5.774%

15-Year Fixed

5.625%

$3,856

Includes 0.789 points for $3,156

Lender Fees: $700

$3,295 /mo

Next >

NMLS #1981224

6.176%

5-Year ARM

6.000%

$7,568

Includes 0.892 points for $3,568

Lender Fees: $4,000

$2,399 /mo

Next >

NMLS #1981224

6.415%

30-Year Fixed

6.250%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$2,463 /mo

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NMLS #757416

6.713%

30-Year Fixed

6.625%

$3,660

Includes 0.915 points for $3,660

Lender Fees: $0

$2,562 /mo

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NMLS #2473786

6.735%

30-Year Fixed

6.624%

$4,611

Includes 0.879 points for $3,516

Lender Fees: $1,095

$2,561 /mo

Next >

NMLS #1025894

6.739%

30-Year Fixed

6.625%

$4,696

Includes 0.999 points for $3,996

Lender Fees: $700

$2,562 /mo

Next >

NMLS #399799

6.872%

30-Year Fixed

6.750%

$5,180

Includes 0.963 points for $3,852

Lender Fees: $1,328

$2,595 /mo

Next >

NMLS #401822

6.884%

30-Year Fixed

6.750%

$5,495

Includes 0.875 points for $3,500

Lender Fees: $1,995

$2,595 /mo

Next >

NMLS #3030

6.889%

15-Year Fixed

6.750%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,540 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,797 /mo

Next >

NMLS #401822

7.804%

15-Year Fixed

7.500%

$7,500

Includes 0.875 points for $3,500

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.

Fixed conforming 15 year fixed mortgage rates are down slightly for the week ending July 15, 2010.  15 year mortgage interest rates are averaging 4.06 percent, a decline from the prior week’s average 15 year mortgage rate of 4.07 percent. Average mortgage discount points on 15 year mortgages was 0.7 points, unchanged from the prior week’s average.

5 year Treasury indexed adjustable mortgage rates were up for the week ending July 815 2010. 5 year adjustable mortgage rates are averaging 3.85 percent, up from last week’s average 5 year adjustable mortgage rate of 3.76 percent. Mortgage discount points on 5 year adjustable rate mortgages averaged 0.7 points, no change from the prior week.

1 year Treasury indexed adjustable rate mortgages averaged 3.74 percent for the week ending July 15, 2010, down slightly from the prior week’s average 1 year adjustable mortgage rate of 3.75 percent. Mortgage points averaged o.7 points, unchanged for the previous week's average.