Mortgage Rates – Today’s Mortgage Interest Rates at 4.95%

Today's mortgage interest rates are up slightly compared last week's average mortgage rates. 30 year conforming mortgage rates rose to 4.95 percent, up from the near record lows set last week.  15 year conforming mortgage rates are up to 4.40 percent this week. 30 year jumbo mortgage rates and 15 year jumbo mortgage rates were also up this week over last.

Looking for mortgage rates? Find current mortgage rates in your state by using our Mortgage Rate Tables: Search for mortgage rates here

Prior to this week, average mortgage interest rates have been declining for several weeks. I expect mortgage interest rates to remain in a tight range until the first quarter of 2010 when the Fed completes its purchases of mortgage-backed securities.

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 #135622

4.762%

15-Year Fixed

4.500%

$7,035

Includes 0.760 points for $3,040

Lender Fees: $3,995

$3,060 /mo

Next >

NMLS #2473786

4.808%

15-Year Fixed

4.625%

$4,883

Includes 0.947 points for $3,788

Lender Fees: $1,095

$3,086 /mo

Next >

NMLS #2059741

4.888%

15-Year Fixed

4.750%

$3,684

Includes 0.921 points for $3,684

Lender Fees: $0

$3,112 /mo

Next >

NMLS #135622

4.914%

5-Year ARM

4.750%

$7,635

Includes 0.910 points for $3,640

Lender Fees: $3,995

$2,087 /mo

Next >

NMLS #1067

5.008%

15-Year Fixed

4.875%

$3,520

Includes 0.880 points for $3,520

Lender Fees: $0

$3,138 /mo

Next >

NMLS #757416

5.019%

15-Year Fixed

4.875%

$3,816

Includes 0.954 points for $3,816

Lender Fees: $0

$3,138 /mo

Next >

NMLS #1025894

5.078%

15-Year Fixed

4.875%

$5,404

Includes 0.851 points for $3,404

Lender Fees: $2,000

$3,138 /mo

Next >

NMLS #2473786

5.088%

5-Year ARM

5.000%

$4,031

Includes 0.734 points for $2,936

Lender Fees: $1,095

$2,148 /mo

Next >

NMLS #1928741

5.098%

15-Year Fixed

4.990%

$2,840

Includes 0.710 points for $2,840

Lender Fees: $0

$3,162 /mo

Next >

NMLS #6606

5.386%

15-Year Fixed

5.240%

$3,820

Includes 0.955 points for $3,820

Lender Fees: $0

$3,214 /mo

Next >

NMLS #135622

5.636%

30-Year Fixed

5.500%

$6,035

Includes 0.510 points for $2,040

Lender Fees: $3,995

$2,272 /mo

Next >

NMLS #2473786

5.702%

30-Year Fixed

5.625%

$3,367

Includes 0.568 points for $2,272

Lender Fees: $1,095

$2,303 /mo

Next >

NMLS #2059741

5.714%

30-Year Fixed

5.625%

$3,936

Includes 0.984 points for $3,936

Lender Fees: $0

$2,303 /mo

Next >

NMLS #1025894

5.760%

30-Year Fixed

5.625%

$5,924

Includes 0.981 points for $3,924

Lender Fees: $2,000

$2,303 /mo

Next >

NMLS #757416

5.829%

30-Year Fixed

5.750%

$3,448

Includes 0.862 points for $3,448

Lender Fees: $0

$2,335 /mo

Next >

NMLS #1067

5.921%

30-Year Fixed

5.875%

$1,992

Includes 0.498 points for $1,992

Lender Fees: $0

$2,367 /mo

Next >

NMLS #1928741

5.926%

30-Year Fixed

5.875%

$2,208

Includes 0.552 points for $2,208

Lender Fees: $0

$2,367 /mo

Next >

NMLS #6606

6.091%

30-Year Fixed

6.000%

$3,892

Includes 0.973 points for $3,892

Lender Fees: $0

$2,399 /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.

Today's Mortgage Interest Rates

Average 30 year mortgage rates increased to 4.95 percent this week, up from the prior week’s average 30 year interest loan rate of 4.85 percent.

Average 15 year mortgage rates are up to 4.40 percent this week, up from last week’s average home loan rate of 4.35 percent.

Jumbo Mortgage Interest Rates

Average 30 year jumbo home loans are at 5.74 percent this week, an increase from last week’s home loan of 5.65 percent.

The average rate on a 15 year jumbo home loan is at 5.18 percent this week, up from the previous interest loan rate of 5.12 percent.

Conforming Adjustable Mortgage Interest Rates

The average 0ne year adjustable mortgage rate jumped to 4.51 percent this week, up from the prior week’s one year home loan mortgage rate of 4.11 percent.

Average three year adjustable rate mortgages are at 4.42 percent, an increase from last week’s average mortgage rate of 4.20 percent.

The average five year ARM is at 4.19 percent this week, up from the prior week’s average loan rate of 4.11 percent.

Seven year ARMs are averaging 4.58 percent this week, up from the previous week’s average bank loan rate of 4.52 percent.

The average ten year mortgage is back above 5.00 percent at 5.07 percent, up from last week's average 10 year mortgage interest rate of 4.86 percent.

Jumbo Adjustable Mortgage Rates

Average 1 year jumbo ARMs are at 5.48 percent this week, unchanged from last week’s average loan interest rate.

The average three year jumbo mortgage loan is at 5.26 percent this week, down from last week’s average rate of 5.40 percent.

Current five year jumbo rates are at 5.07 percent this week, down from last week’s average home interest loan rate 0f 5.41 percent.

Today's seven year jumbo mortgages are averaging 5.53 percent, up from the prior week’s average mortgage loan interest rate of 5.39 percent.

The average 10 year jumbo ARM is at  5.96 percent this week, a big drop from last week's average interest rate of 6.65 percent.

Conforming Interest Only Mortgage Rates (IO Loan)

Three year interest only mortgage loan rates are averaging 4.56 percent this week, up from the prior week’s average three year home loan rate of 4.40 percent.

The average five year interest only loan is at 4.32 percent, up from the last week’s average five year interest rate of 4.23 percent.

Seven year IO mortgage rates are averaging 4.79 percent, an increase from last week’s average IO rate of 4.71 percent.

Jumbo Interest Only Mortgage Rates (IO Loans)

Average rates on a three year jumbo interest only mortgage is at 5.38 percent this week, down from the previous week's average of 5.53 percent.

Average five year jumbo IO mortgage are at 5.47 percent this week, down .50 percent from last week's average IO rate of 5.97 percent.

The average seven year jumbo IO mortgage rate is at 5.89 percent, up from last week’s average jumbo rate of 5.66 percent.

Home Equity Loan Rates

Average rates on a 10 year home equity loan is down slightly to 7.488 percent, down slightly from the prior week’s average equity home loan rate of 7.494 percent.

Average 15 year home equity rates decreased to 7.615 percent this week, down from the last week’s average home equity loan rate of 7.624 percent.

Home Equity Line of Credit Rates (HELOC)

The average home equity line of credit rate was down slightly to 4.900 percent this week, down from last week’s average HELOC rate of 4.904 percent.

Looking for the best mortgage rates? Current mortgage rates including jumbo rates can be found in your state or zip code by using our bank mortgage rate tables. Find Mortgage Rates Here.

Real Estate Agents, display average mortgage rates on your website by using our free mortgage rates widgets that now include jumbo mortgage rates. Get mortgage widget code here