Mortgage Rates Start 2019 Lower
Today's mortgage rates on 15 year conforming loans are averaging 3.76 percent, down from an average 15 year rate of 3.78 percent. 5 year adjustable mortgage rates are down to 3.94 percent, a decline from the prior week's average rate of 3.97 percent. Current mortgage rates on 30 year jumbo loans are averaging 4.42 percent, a slight decline from an average rate of 4.43 percent last week. 15 year jumbo mortgage rates bucked the downtrend and are currently averaging 4.16 percent, up from an average jumbo rate of 4.12 percent. 5 year jumbo adjustable mortgage rates are averaging 3.80 percent, down from last week's average of 3.85 percent. Lender
APR / Rate
Fees / Points
Payment
 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
 NMLS #2059741
5.510%
15-Year Fixed
5.375%
$3,520
Includes 0.880 points for $3,520
Lender Fees: $0
$3,242 /mo
 NMLS #1025894
5.632%
15-Year Fixed
5.490%
$3,688
Includes 0.747 points for $2,988
Lender Fees: $700
$3,267 /mo
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
NMLS #2059741
6.548%
30-Year Fixed
6.490%
$2,412
Includes 0.603 points for $2,412
Lender Fees: $0
$2,526 /mo
NMLS #1025894
6.597%
30-Year Fixed
6.490%
$4,460
Includes 0.940 points for $3,760
Lender Fees: $700
$2,526 /mo
 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
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
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.
Where mortgage rates are headed in 2019 is anyone's guess at this point. The government shutdown, already the longest ever, is causing the economy to slow. Long term bond yields are also falling which will drive mortgage rates lower from current levels. If you're looking to buy a home or refinance a loan how is a good time historically speaking, though rates might go lower from current levels. To see where lender's rates are right now use our rate tables to search for and compare mortgage rates today. Explore Other Mortgage and Refinance Offers
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Mortgage rates started 2019 by moving lower, continuing the downtrend of the past three months. Mortgage rates today on 30 year conforming loans are averaging 4.51 percent, down from 4.61 percent the last week of December 2018.
