Mortgage Rates Today Mixed, Fixed Conforming Rates Sightly Higher

Average mortgage rates today are mixed with fixed conforming 30 year rates and 15 year rates moving slightly higher. Fixed conforming 30 year mortgage rates which hit a record low of 3.39 percent last week are now averaging 3.44 percent. Average rates are higher this week but the uptrend won't last since the Fed is purchasing mortgage backed securities to force rates lower.

Current mortgage rates on 15 year fixed conventional loans are also higher averaging 2.83 percent. The average 15 year mortgage rate is only 1 basis point higher from last week's record low of 2.82 percent. 15 year mortgage interest rates will be moving lower this week and might possibly break through 2.75 percent. You can already find lenders offering 15 year rates below 2.75 percent.

Depending on the state you live in you can find many different lenders offering rates below 2.75 percent with and without mortgage discount points. If you live in Florida we have one lender offering 15 year refinance rates at 2.50 percent with 0.75 mortgage points. On our Nevada 15 year refinance rates list there are lenders offering rates at 2.50 percent with 2 points.

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 #2578474

5.634%

15-Year Fixed

5.500%

$3,478

Includes 0.607 points for $2,428

Lender Fees: $1,050

$3,269 /mo

Next >

NMLS #1935422

License: 60DBO-109262

5.748%

15-Year Fixed

5.625%

$3,295

Includes 0.500 points for $2,000

Lender Fees: $1,295

$3,295 /mo

Next >

NMLS #1025894

5.771%

15-Year Fixed

5.625%

$3,796

Includes 0.774 points for $3,096

Lender Fees: $700

$3,295 /mo

Next >

NMLS #6606

6.011%

15-Year Fixed

5.875%

$3,508

Includes 0.877 points for $3,508

Lender Fees: $0

$3,349 /mo

Next >

NMLS #2578474

6.455%

30-Year Fixed

6.375%

$3,350

Includes 0.575 points for $2,300

Lender Fees: $1,050

$2,496 /mo

Next >

NMLS #1935422

License: 60DBO-109262

6.487%

30-Year Fixed

6.375%

$4,795

Includes 0.875 points for $3,500

Lender Fees: $1,295

$2,496 /mo

Next >

NMLS #1025894

6.588%

30-Year Fixed

6.490%

$4,108

Includes 0.852 points for $3,408

Lender Fees: $700

$2,526 /mo

Next >

NMLS #6606

6.834%

30-Year Fixed

6.740%

$3,848

Includes 0.962 points for $3,848

Lender Fees: $0

$2,592 /mo

Next >

NMLS #3030

7.035%

15-Year Fixed

6.875%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,568 /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 >

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.

30 year jumbo mortgage rates now below 4.00 percent at a record low average rate of 3.99 percent. Average jumbo mortgage interest rates on 30 year loans are down from last week's average of 4.01 percent. I still can't believe 30 year jumbo mortgage rates are below 4.00 percent.

On our 30 year jumbo refinance rates list for the state of California we have several lenders offering 30 year jumbo refi rates below the average of 3.99 percent. EverBank is offering 30 year jumbo refinance mortgage rates at 3.625 percent with 0.99 points and Citi Mortgage is offering 30 year jumbo rates at 3.75 percent with no points.

15 year jumbo mortgage interest rates are averaging 3.36 percent, down slightly from last week's average 15 year jumbo mortgage interest rate of 3.37 percent. If you're comparing 15 year jumbo refinance rates you can find lenders offering rates below the average. Right now in the state of Connecticut EverBank is offering 15 year jumbo rates at 2.875 percent with 0.50 points.

5 year conforming adjustable mortgage rates are averaging 2.98 percent, an increase from last week's average 5 year adjustable rate of 2.96 percent. Right now on our 5 year adjustable refinance rates list in Texas there are lenders offering rates as low as 2.125 percent with points.

5 year adjustable jumbo mortgage rates are also slightly higher this week averaging 2.82 percent, up from last week's average 5 year jumbo adjustable mortgage rate of 2.80 percent. Right now in the state of Texas we have lenders listed on our rate table offering 5 year jumbo rates less than 2.50 percent with and without points.