Mortgage Rates Up to 5.39%: Current Mortgage Rates Mostly Up

Current Mortgage Rates

Mortgage rates are up again today, current mortgage rates have been treading higher the past couple of days. The rate on a  fixed 30-year mortgage increased from 5.33 percent last week to 5.39 percent today. The mortgage rate on a fixed 15-year mortgage is up to 4.84 percent today, up from last week's average rate of 4.79 percent.

MonitorBankRates.com has free mortgage rate tables you can search for today’s mortgage rates. Search Mortgage Rates

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 #78669

5.392%

15-Year Fixed

5.125%

$7,222

Includes 0.701 points for $2,804

Lender Fees: $4,418

$3,190 /mo

Next >

NMLS #2641203

5.492%

15-Year Fixed

5.375%

$3,056

Includes 0.764 points for $3,056

Lender Fees: $0

$3,242 /mo

Next >

NMLS #1835285

5.509%

15-Year Fixed

5.375%

$3,500

Includes 0.875 points for $3,500

Lender Fees: $0

$3,242 /mo

Next >

NMLS #1701910

5.547%

15-Year Fixed

5.375%

$4,490

Includes 0.750 points for $3,000

Lender Fees: $1,490

$3,242 /mo

Next >

NMLS #401822

5.554%

15-Year Fixed

5.250%

$8,000

Includes 1.000 points for $4,000

Lender Fees: $4,000

$3,216 /mo

Next >

NMLS #274058

5.556%

15-Year Fixed

5.375%

$4,746

Includes 0.664 points for $2,656

Lender Fees: $2,090

$3,242 /mo

Next >

NMLS #757416

5.612%

15-Year Fixed

5.500%

$2,908

Includes 0.727 points for $2,908

Lender Fees: $0

$3,269 /mo

Next >

NMLS #1067

5.642%

15-Year Fixed

5.490%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$3,267 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,600

Includes 0.975 points for $3,900

Lender Fees: $700

$3,267 /mo

Next >

NMLS #181106

License: Licensed

5.741%

15-Year Fixed

5.625%

$2,995

Includes 0.500 points for $2,000

Lender Fees: $995

$3,295 /mo

Next >

NMLS #78669

6.178%

5-Year ARM

6.000%

$7,842

Includes 0.856 points for $3,424

Lender Fees: $4,418

$2,399 /mo

Next >

NMLS #78669

6.523%

30-Year Fixed

6.375%

$6,398

Includes 0.495 points for $1,980

Lender Fees: $4,418

$2,496 /mo

Next >

NMLS #1835285

6.572%

30-Year Fixed

6.500%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$2,529 /mo

Next >

NMLS #2561451

6.591%

30-Year Fixed

6.490%

$4,287

Includes 0.573 points for $2,292

Lender Fees: $1,995

$2,526 /mo

Next >

NMLS #1067

6.594%

30-Year Fixed

6.500%

$3,944

Includes 0.986 points for $3,944

Lender Fees: $0

$2,529 /mo

Next >

NMLS #757416

6.596%

30-Year Fixed

6.500%

$3,984

Includes 0.996 points for $3,984

Lender Fees: $0

$2,529 /mo

Next >

NMLS #274058

6.638%

5-Year ARM

6.500%

$5,766

Includes 0.919 points for $3,676

Lender Fees: $2,090

$2,529 /mo

Next >

NMLS #2641203

6.682%

30-Year Fixed

6.625%

$2,352

Includes 0.588 points for $2,352

Lender Fees: $0

$2,562 /mo

Next >

NMLS #181106

License: Licensed

6.697%

30-Year Fixed

6.625%

$2,995

Includes 0.500 points for $2,000

Lender Fees: $995

$2,562 /mo

Next >

NMLS #1025894

6.720%

30-Year Fixed

6.625%

$3,916

Includes 0.804 points for $3,216

Lender Fees: $700

$2,562 /mo

Next >

NMLS #274058

6.742%

30-Year Fixed

6.625%

$4,842

Includes 0.688 points for $2,752

Lender Fees: $2,090

$2,562 /mo

Next >

NMLS #1701910

6.786%

30-Year Fixed

6.750%

$1,490

Includes 0.000 points for $0

Lender Fees: $1,490

$2,595 /mo

Next >

NMLS #399799

6.848%

30-Year Fixed

6.750%

$4,164

Includes 0.709 points for $2,836

Lender Fees: $1,328

$2,595 /mo

Next >

NMLS #3030

6.869%

15-Year Fixed

6.750%

$3,000

Includes 0.750 points for $3,000

Lender Fees: $0

$3,540 /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 #1835285

7.081%

5-Year ARM

7.000%

$3,292

Includes 0.823 points for $3,292

Lender Fees: $0

$2,662 /mo

Next >

NMLS #3030

7.589%

30-Year Fixed

7.500%

$3,500

Includes 0.875 points for $3,500

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.

Jumbo Mortgage

Jumbo mortgage rates are headed in the opposite direction the past couple of days. Continuing to narrow the spread between conforming mortgages and jumbo mortgages. The rate spread was thrown out of whack during the credit crises, since the credit markets are returning back to normal,  jumbo mortgage rates have returned to a more historical range of around one percent higher than conforming rates.

30-year jumbo rates are currently at 6.18 percent today, down from 6.20 percent last week at this time. The average 15-year jumbo mortgage interest rate has also come down this week to 5.80 percent from 5.83 percent this time a week ago.

Adjustable Rate Mortgages

For the most part adjustable mortgage rates are higher today than earlier this week except for one-year adjustable mortgages and a 7/1 adjustable rate mortgage. One-year conforming ARMs are at 4.41 percent, down from 4.51 percent this time last week, possibly the lowest mortgage rate available.  The average rate on a 3/1 conforming ARM is at 4.69 percent, up from 4.63 percent. The average rate on a 5/1 ARM is at 4.59 percent, up from 4.53 percent lower than a 3/1 adjustable. The current mortgage rate on a conforming 7/1 ARMs is at 5.09 percent, down from 5.14 percent last week at this time.

Jumbo Adjustable Mortgage Rates

Longer term jumbo ARMs have had a large increase in the average rate this week, while shorter term mortgage rates increased slightly. One-year jumbo ARMs are averaging 5.20 percent today, down from a rate of 5.24 percent last week. The average rate home mortgage rate on a 3/1 jumbo ARM is at 5.41 percent, up from 5.32 percent. The average mortgage loan rate on a 5/1 jumbo ARM is at 5.51 percent, up from 5.41 percent last week at this time. Mortgage home rates for jumbo 7/1  ARMs are at 6.17 percent, up from 5.95 percent last week at this time.

MonitorBankRates.com has free mortgage rate tables you can search for current mortgage rates in your zip code.

Search for Current Mortgage Rates